Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia

dc.contributor.advisorRuiz Martínez, Carlos Albertospa
dc.contributor.authorTobar Cruz, John Sebastianspa
dc.coverage.countryColombiaspa
dc.coverage.tgnhttp://vocab.getty.edu/page/tgn/1000050
dc.date.accessioned2024-06-24T19:36:25Z
dc.date.available2024-06-24T19:36:25Z
dc.date.issued2024
dc.descriptionilustraciones, diagramas, mapasspa
dc.description.abstractEste 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.abstractThis 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.degreelevelMaestríaspa
dc.format.extentviii, 60 páginasspa
dc.format.mimetypeapplication/pdfspa
dc.identifier.instnameUniversidad Nacional de Colombiaspa
dc.identifier.reponameRepositorio Institucional Universidad Nacional de Colombiaspa
dc.identifier.repourlhttps://repositorio.unal.edu.co/spa
dc.identifier.urihttps://repositorio.unal.edu.co/handle/unal/86288
dc.language.isospaspa
dc.publisherUniversidad Nacional de Colombiaspa
dc.publisher.branchUniversidad Nacional de Colombia - Sede Bogotáspa
dc.publisher.facultyFacultad de Ciencias Económicasspa
dc.publisher.placeBogotá, Colombiaspa
dc.publisher.programBogotá - Ciencias Económicas - Maestría en Ciencias Económicasspa
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dc.rights.accessrightsinfo:eu-repo/semantics/openAccessspa
dc.rights.licenseAtribución-NoComercial 4.0 Internacionalspa
dc.rights.urihttp://creativecommons.org/licenses/by-nc/4.0/spa
dc.subject.ddc330 - Economía::332 - Economía financieraspa
dc.subject.jelE26 Informal Economy • Underground Economyeng
dc.subject.jelG32 Financing Policy • Financial Risk and Risk Management • Capital and Ownership Structure • Value of Firms • Goodwilleng
dc.subject.jelO16 Financial Markets • Saving and Capital Investment • Corporate Finance and Governanceeng
dc.subject.jelO17 Formal and Informal Sectors • Shadow Economy • Institutional Arrangementseng
dc.subject.jelR51 Finance in Urban and Rural Economieseng
dc.subject.proposalAcceso a créditospa
dc.subject.proposalMicronegociosspa
dc.subject.proposalFormalidad empresarialspa
dc.subject.proposalCrecimiento empresarialspa
dc.subject.proposalCrédito informalspa
dc.subject.proposalPropensity score matchingeng
dc.subject.proposalCredit acceseng
dc.subject.proposalMicrobusinesseng
dc.subject.proposalBusiness formalityeng
dc.subject.proposalBusiness growtheng
dc.subject.proposalInformal crediteng
dc.subject.unescoCréditospa
dc.subject.unescoCrediteng
dc.subject.unescoPequeña empresaspa
dc.subject.unescoSmall enterpriseseng
dc.subject.unescoCrecimiento económicospa
dc.subject.unescoEconomic growtheng
dc.titleIncidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombiaspa
dc.title.translatedIncidence of credit access on the growth and formality of microbusiness in Colombiaeng
dc.typeTrabajo de grado - Maestríaspa
dc.type.coarhttp://purl.org/coar/resource_type/c_bdccspa
dc.type.coarversionhttp://purl.org/coar/version/c_ab4af688f83e57aaspa
dc.type.contentTextspa
dc.type.driverinfo:eu-repo/semantics/masterThesisspa
dc.type.redcolhttp://purl.org/redcol/resource_type/TMspa
dc.type.versioninfo:eu-repo/semantics/acceptedVersionspa
dcterms.audience.professionaldevelopmentEstudiantesspa
dcterms.audience.professionaldevelopmentInvestigadoresspa
dcterms.audience.professionaldevelopmentPúblico generalspa
dcterms.audience.professionaldevelopmentResponsables políticosspa
oaire.accessrightshttp://purl.org/coar/access_right/c_abf2spa

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