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Determinantes del acceso al crédito de las PYMES en Colombia

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  • Héctor Alberto Botello Penaloza

Abstract

El presente artículo investiga sobre los determinantes del acceso al crédito de las PYMES en Colombia entre 2006 y 2010. La metodología incluye el diseno de un modelo probabilístico conformado por las características internas y externas de una muestra de 85 mil empresas. Las estimaciones evidencian que el tamano y la capacidad tecnológica son las variables que más influyen para que una empresa pueda acceder a los mercados de financiamiento debido a su habilidad para generar ventajas competitivas, permitiéndoles ganar competitividad en los mercados y con esto asegurar la creación de flujos de caja sostenibles. Factores que serán tomados por los oferentes de crédito como la mejor garantía para la devolución del préstamo.

Suggested Citation

  • Héctor Alberto Botello Penaloza, 2015. "Determinantes del acceso al crédito de las PYMES en Colombia," Ensayos de Economía 14148, Universidad Nacional de Colombia Sede Medellín.
    • Handle: RePEc:col:000418:014148
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    File URL: http://www.revistas.unal.edu.co/index.php/ede/article/view/53631
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    Cited by:

    1. Ramírez-Hassan, Andrés & Carvajal-Rendón, Daniela A., 2021. "Specification uncertainty in modeling internet adoption: A developing city case analysis," Utilities Policy, Elsevier, vol. 70(C).

    More about this item

    Keywords

    Financiamiento; mercados financieros; modelos probabilísticos; PYMES;
    All these keywords.

    JEL classification:

    • D01 - Microeconomics - - General - - - Microeconomic Behavior: Underlying Principles
    • D02 - Microeconomics - - General - - - Institutions: Design, Formation, Operations, and Impact
    • D1 - Microeconomics - - Household Behavior
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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