Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia
dc.contributor.advisor | Ruiz Martínez, Carlos Alberto | spa |
dc.contributor.author | Tobar Cruz, John Sebastian | spa |
dc.coverage.country | Colombia | spa |
dc.coverage.tgn | http://vocab.getty.edu/page/tgn/1000050 | |
dc.date.accessioned | 2024-06-24T19:36:25Z | |
dc.date.available | 2024-06-24T19:36:25Z | |
dc.date.issued | 2024 | |
dc.description | ilustraciones, diagramas, mapas | spa |
dc.description.abstract | Este trabajo analiza la incidencia del acceso al crédito en la formalización y crecimiento de los micronegocios en Colombia. Utilizando datos de la Encuesta a Micronegocios (EMICRON) del DANE para el periodo 2019-2022, se empleó la metodología de Propensity Score Matching y los modelos de elección binaria Probit y Logit para examinar esta relación. Los resultados destacan que el acceso al crédito desempeña un papel fundamental para estimular el crecimiento y la formalización de estos negocios, en las cuatro dimensiones definidas en el CONPES 3956: de entrada, de insumos, de producción y tributaria. Se profundizó en el análisis diferenciando entre créditos otorgados por entidades formales e informales, revelando que los micronegocios con acceso a crédito formal mostraron una mayor propensión a la formalización y experimentaron un crecimiento más pronunciado en comparación con aquellos que obtuvieron crédito a través de entidades informales. (Texto tomado de la fuente). | spa |
dc.description.abstract | This paper investigates the incidence of access to credit on the formalization and growth of microbusinesses in Colombia. Employing data from the DANE Microbusiness Survey (EMICRON) for the 2019-2022 period, the study utilizes Propensity Score Matching alongside binary choice Probit and Logit models to analyze this relationship. The findings reveal that access to credit plays a critical role in facilitating the growth and formalization of these businesses across the four dimensions outlined in CONPES 3956: entry, inputs, production, and taxation. Further analysis, differentiating between credit granted by formal and informal entities, demonstrates that micro-businesses with access to formal credit exhibit a higher propensity for formalization and experience more pronounced growth compared to those relying on informal credit sources. | eng |
dc.description.degreelevel | Maestría | spa |
dc.format.extent | viii, 60 páginas | spa |
dc.format.mimetype | application/pdf | spa |
dc.identifier.instname | Universidad Nacional de Colombia | spa |
dc.identifier.reponame | Repositorio Institucional Universidad Nacional de Colombia | spa |
dc.identifier.repourl | https://repositorio.unal.edu.co/ | spa |
dc.identifier.uri | https://repositorio.unal.edu.co/handle/unal/86288 | |
dc.language.iso | spa | spa |
dc.publisher | Universidad Nacional de Colombia | spa |
dc.publisher.branch | Universidad Nacional de Colombia - Sede Bogotá | spa |
dc.publisher.faculty | Facultad de Ciencias Económicas | spa |
dc.publisher.place | Bogotá, Colombia | spa |
dc.publisher.program | Bogotá - Ciencias Económicas - Maestría en Ciencias Económicas | spa |
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dc.rights.accessrights | info:eu-repo/semantics/openAccess | spa |
dc.rights.license | Atribución-NoComercial 4.0 Internacional | spa |
dc.rights.uri | http://creativecommons.org/licenses/by-nc/4.0/ | spa |
dc.subject.ddc | 330 - Economía::332 - Economía financiera | spa |
dc.subject.jel | E26 Informal Economy • Underground Economy | eng |
dc.subject.jel | G32 Financing Policy • Financial Risk and Risk Management • Capital and Ownership Structure • Value of Firms • Goodwill | eng |
dc.subject.jel | O16 Financial Markets • Saving and Capital Investment • Corporate Finance and Governance | eng |
dc.subject.jel | O17 Formal and Informal Sectors • Shadow Economy • Institutional Arrangements | eng |
dc.subject.jel | R51 Finance in Urban and Rural Economies | eng |
dc.subject.proposal | Acceso a crédito | spa |
dc.subject.proposal | Micronegocios | spa |
dc.subject.proposal | Formalidad empresarial | spa |
dc.subject.proposal | Crecimiento empresarial | spa |
dc.subject.proposal | Crédito informal | spa |
dc.subject.proposal | Propensity score matching | eng |
dc.subject.proposal | Credit acces | eng |
dc.subject.proposal | Microbusiness | eng |
dc.subject.proposal | Business formality | eng |
dc.subject.proposal | Business growth | eng |
dc.subject.proposal | Informal credit | eng |
dc.subject.unesco | Crédito | spa |
dc.subject.unesco | Credit | eng |
dc.subject.unesco | Pequeña empresa | spa |
dc.subject.unesco | Small enterprises | eng |
dc.subject.unesco | Crecimiento económico | spa |
dc.subject.unesco | Economic growth | eng |
dc.title | Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia | spa |
dc.title.translated | Incidence of credit access on the growth and formality of microbusiness in Colombia | eng |
dc.type | Trabajo de grado - Maestría | spa |
dc.type.coar | http://purl.org/coar/resource_type/c_bdcc | spa |
dc.type.coarversion | http://purl.org/coar/version/c_ab4af688f83e57aa | spa |
dc.type.content | Text | spa |
dc.type.driver | info:eu-repo/semantics/masterThesis | spa |
dc.type.redcol | http://purl.org/redcol/resource_type/TM | spa |
dc.type.version | info:eu-repo/semantics/acceptedVersion | spa |
dcterms.audience.professionaldevelopment | Estudiantes | spa |
dcterms.audience.professionaldevelopment | Investigadores | spa |
dcterms.audience.professionaldevelopment | Público general | spa |
dcterms.audience.professionaldevelopment | Responsables políticos | spa |
oaire.accessrights | http://purl.org/coar/access_right/c_abf2 | spa |
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