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Los impactos de la inclusión financiera en los micronegocios: factores que explican aumentos en los ingresos y crecimiento de los negocios

Author

Listed:
  • García-Suaza, A
  • Rodríguez-González, D
  • Sarango, A
  • Mayorga, J. D
  • Pretel, A
  • Husain-Talero, S
  • Zarama, L
  • Urbano, J. C., Girón, D., Medina, N

Abstract

Existe una serie de recursos y capacidades de los negocios que determinan su crecimiento y desempleo. Entre estos se ha destacado el acceso a mercado financiero, el nivel de digitalización y la formalidad del negocio. Este paper estudia el diferencial de ingresos en los micronegocios diferenciando por cada uno de estos aspectos con el fin de cuantificar los factores que explican dicha diferencia. Utilizando información de un grupo de micronegocios que hacen parte de los programas de Fundación WWB Colombia durante el Plan Reactivate y métodos de descomposición Oaxaca-Blinder, se evidencia que los micronegocios formales con altos niveles de inclusión financiera tienen, en promedio, mayores ingresos que sus pares. Un análisis con enfoque de genero muestra que los micronegocios cuyo dueno es hombre y tiene un alto nivel de habilidades digitales, lo cual mejora su desempleo. Estos resultados se corroboran a partir de trabajo cualitativo en campo que evidencia que los microempresarios perciben al crédito informal más atractivo que al bancario, argumentando facilidad de otorgamiento y flexibilidad de pagos.

Suggested Citation

  • García-Suaza, A & Rodríguez-González, D & Sarango, A & Mayorga, J. D & Pretel, A & Husain-Talero, S & Zarama, L & Urbano, J. C., Girón, D., Medina, N, 2022. "Los impactos de la inclusión financiera en los micronegocios: factores que explican aumentos en los ingresos y crecimiento de los negocios," Documentos de Trabajo 20418, Universidad del Rosario.
    • Handle: RePEc:col:000092:020418
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    More about this item

    Keywords

    Inclusión financiera; habilidades digitales; Micronegocios; Colombia;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements
    • L25 - Industrial Organization - - Firm Objectives, Organization, and Behavior - - - Firm Performance

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