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El papel de la formalidad en el acceso al crédito para las micro y pequeñas empresas

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  • Edinson Tolentino Raymondi

Abstract

Comprender las restricciones financieras es fundamental para analizar el papel de las altas barreras en las micro y pequeñas empresas en los países en desarrollo. Esta investigación identifica el papel de la formalidad en las micro y pequeñas empresas en el acceso al crédito. Para analizar la formalidad en las empresas peruanas, esta investigación utilizó la variable licencia . Los datos a nivel de empresa denominados Encuesta Nacional de Empresas (ENE), son proporcionados por el Instituto Nacional de Estadística del Perú (INEI). Este artículo utiliza el método de Variables Instrumentales (IV) y encuentra que cuando las empresas tienen licencia, es más probable que tengan acceso al crédito (de formal a informalidad), en promedio. Por otro lado, estos hallazgos confirman que los efectos reales de las licencias aumentan entre 15 y 19 puntos porcentuales en el acceso al crédito y reducen en 16 puntos porcentuales las restricciones financieras para las MYPES.

Suggested Citation

  • Edinson Tolentino Raymondi, 2021. "El papel de la formalidad en el acceso al crédito para las micro y pequeñas empresas," Revista de Análisis Económico y Financiero, Universidad de San Martín de Porres, vol. 4(02), pages 01-06.
    • Handle: RePEc:alp:revaef:07-01
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