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Factores determinantes que explican el acceso a la financiación bancaria: un estudio empírico en empresas peruanas

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El presente estudio analiza las causas del racionamiento de crédito en las micro y pequeñas empresas peruanas. Dado que en Perú se produce un especial problema en el acceso al crédito puesto que el sistema financiero no está plenamente desarrollado y las posibilidades de acceso al crédito bancario son menores que en otras economías. Para ello, se desarrolla un estudio empírico mediante una encuesta a una muestra de 158 micro y pequeñas empresas peruanas. Nuestro trabajo produce robustos resultados en cuanto a factores que influyen en el acceso a la financiación de las micro y pequeñas empresas en Perú. De forma que se identifican factores tangibles e intangibles como la certificación de calidad, el contar con buenos sistemas de gestión, el hacer planeamiento dentro de la empresa, hacer actividades de innovación, contar con directivos altamente calificados y con experiencia que le permitan a los prestatarios dar señales de la buena condición del negocio, y de los proyectos que presenta. La identificación de los factores que facilitan el acceso al crédito de las empresas ayudará a las mismas en la mejora de su competitividad, así como a los organismos gubernamentales a conocer qué políticas deben desarrollar para facilitar el acceso al crédito y una mayor eficacia del sistema financiero

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  • Rocca Espinoza, Salustiano Eduardo & Duréndez Gómez-Guillamón, Antonio, 2017. "Factores determinantes que explican el acceso a la financiación bancaria: un estudio empírico en empresas peruanas," Small Business International Review, Asociación Española de Contabilidad y Administración de Empresas - AECA, vol. 1(1), pages 11-34, July.
    • Handle: RePEc:aaz:sbir01:v:1:y:2017:i:1:p:11-34
    DOI: 10.26784/sbir.v1i1.3
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    More about this item

    Keywords

    racionamiento de crédito; restricciones financieras; fuentes de financiación; micro y pequeñas empresas; estructura de capital;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • M10 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - General

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