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

ilustraciones, diagramas, mapas

Autores:
Tobar Cruz, John Sebastian
Tipo de recurso:
Fecha de publicación:
2024
Institución:
Universidad Nacional de Colombia
Repositorio:
Universidad Nacional de Colombia
Idioma:
spa
OAI Identifier:
oai:repositorio.unal.edu.co:unal/86288
Acceso en línea:
https://repositorio.unal.edu.co/handle/unal/86288
https://repositorio.unal.edu.co/
Palabra clave:
330 - Economía::332 - Economía financiera
E26 Informal Economy • Underground Economy
G32 Financing Policy • Financial Risk and Risk Management • Capital and Ownership Structure • Value of Firms • Goodwill
O16 Financial Markets • Saving and Capital Investment • Corporate Finance and Governance
O17 Formal and Informal Sectors • Shadow Economy • Institutional Arrangements
R51 Finance in Urban and Rural Economies
Acceso a crédito
Micronegocios
Formalidad empresarial
Crecimiento empresarial
Crédito informal
Propensity score matching
Credit acces
Microbusiness
Business formality
Business growth
Informal credit
Crédito
Pequeña empresa
Crecimiento económico
Credit
Small enterprises
Economic growth
Rights
openAccess
License
Atribución-NoComercial 4.0 Internacional
id UNACIONAL2_1b6b29bceac137e26327ad454974e6e4
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network_name_str Universidad Nacional de Colombia
repository_id_str
dc.title.spa.fl_str_mv Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia
dc.title.translated.eng.fl_str_mv Incidence of credit access on the growth and formality of microbusiness in Colombia
title Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia
spellingShingle Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia
330 - Economía::332 - Economía financiera
E26 Informal Economy • Underground Economy
G32 Financing Policy • Financial Risk and Risk Management • Capital and Ownership Structure • Value of Firms • Goodwill
O16 Financial Markets • Saving and Capital Investment • Corporate Finance and Governance
O17 Formal and Informal Sectors • Shadow Economy • Institutional Arrangements
R51 Finance in Urban and Rural Economies
Acceso a crédito
Micronegocios
Formalidad empresarial
Crecimiento empresarial
Crédito informal
Propensity score matching
Credit acces
Microbusiness
Business formality
Business growth
Informal credit
Crédito
Pequeña empresa
Crecimiento económico
Credit
Small enterprises
Economic growth
title_short Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia
title_full Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia
title_fullStr Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia
title_full_unstemmed Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia
title_sort Incidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en Colombia
dc.creator.fl_str_mv Tobar Cruz, John Sebastian
dc.contributor.advisor.spa.fl_str_mv Ruiz Martínez, Carlos Alberto
dc.contributor.author.spa.fl_str_mv Tobar Cruz, John Sebastian
dc.subject.ddc.spa.fl_str_mv 330 - Economía::332 - Economía financiera
topic 330 - Economía::332 - Economía financiera
E26 Informal Economy • Underground Economy
G32 Financing Policy • Financial Risk and Risk Management • Capital and Ownership Structure • Value of Firms • Goodwill
O16 Financial Markets • Saving and Capital Investment • Corporate Finance and Governance
O17 Formal and Informal Sectors • Shadow Economy • Institutional Arrangements
R51 Finance in Urban and Rural Economies
Acceso a crédito
Micronegocios
Formalidad empresarial
Crecimiento empresarial
Crédito informal
Propensity score matching
Credit acces
Microbusiness
Business formality
Business growth
Informal credit
Crédito
Pequeña empresa
Crecimiento económico
Credit
Small enterprises
Economic growth
dc.subject.jel.eng.fl_str_mv E26 Informal Economy • Underground Economy
G32 Financing Policy • Financial Risk and Risk Management • Capital and Ownership Structure • Value of Firms • Goodwill
O16 Financial Markets • Saving and Capital Investment • Corporate Finance and Governance
O17 Formal and Informal Sectors • Shadow Economy • Institutional Arrangements
R51 Finance in Urban and Rural Economies
dc.subject.proposal.spa.fl_str_mv Acceso a crédito
Micronegocios
Formalidad empresarial
Crecimiento empresarial
Crédito informal
dc.subject.proposal.eng.fl_str_mv Propensity score matching
Credit acces
Microbusiness
Business formality
Business growth
Informal credit
dc.subject.unesco.spa.fl_str_mv Crédito
Pequeña empresa
Crecimiento económico
dc.subject.unesco.eng.fl_str_mv Credit
Small enterprises
Economic growth
description ilustraciones, diagramas, mapas
publishDate 2024
dc.date.accessioned.none.fl_str_mv 2024-06-24T19:36:25Z
dc.date.available.none.fl_str_mv 2024-06-24T19:36:25Z
dc.date.issued.none.fl_str_mv 2024
dc.type.spa.fl_str_mv Trabajo de grado - Maestría
dc.type.driver.spa.fl_str_mv info:eu-repo/semantics/masterThesis
dc.type.version.spa.fl_str_mv info:eu-repo/semantics/acceptedVersion
dc.type.content.spa.fl_str_mv Text
dc.type.redcol.spa.fl_str_mv http://purl.org/redcol/resource_type/TM
status_str acceptedVersion
dc.identifier.uri.none.fl_str_mv https://repositorio.unal.edu.co/handle/unal/86288
dc.identifier.instname.spa.fl_str_mv Universidad Nacional de Colombia
dc.identifier.reponame.spa.fl_str_mv Repositorio Institucional Universidad Nacional de Colombia
dc.identifier.repourl.spa.fl_str_mv https://repositorio.unal.edu.co/
url https://repositorio.unal.edu.co/handle/unal/86288
https://repositorio.unal.edu.co/
identifier_str_mv Universidad Nacional de Colombia
Repositorio Institucional Universidad Nacional de Colombia
dc.language.iso.spa.fl_str_mv spa
language spa
dc.relation.references.spa.fl_str_mv Acevedo, M. & Ángel, A. (2022). Relación entre la formalización microempresarial y el acceso a los mercados financieros formales en Colombia. Universidad EAFIT. http://hdl.handle.net/10784/31683
Aga, G. A., y Reilly, B. (2011). Access to credit and informality among micro and small enterprises in Ethiopia. International Review of Applied Economics, Vol. 25(3), pp. 313-329. https://doi.org/10.1080/02692171.2010.498417
Álvarez, F. & Meléndez, M. (2010). Banking Services Supply and Micro Firm Performance: Evidence from Colombia. CAF Working paper, 2010/09, Caracas: CAF. Retrieved from https://scioteca.caf.com/handle/123456789/213
Asobancaria. (2022). Ensayos sobre inclusión financiera en Colombia. Volumen II. Bogotá, Colombia.
Ayyagari, M., Juarros, P., Martinez, M., & Singh, S. (2016). Access to Finance and Job Growth: Firm-Level Evidence Across Developing Countries. World Bank Policy Research Working Paper No. 7604. https://ssrn.com/abstract=2748867
Bagehot, W. (1873). A Description of the Money Market, Homewood, IL: Richard D. Irwin, (1962 Edition) Lombard Street.
Banco Mundial. (2017). Enterprise Survey Colombia 2017. Washington D.C.:World Bank Group.
Banerjee, A. V. (2013). Microcredit under the microscope: what have we learned in the past two decades, and what do we need to know? The Annual Review of Economics, Vol. 5(1), pp. 487–519.
Banerjee, A., Breza, E., Duflo, E. & Kinnan. (2019). Can microfinance unlock a poverty trap form some entrepreneurs? National Bureau Economic Research. https://doi.org/10.3386/w26346
Becho, I. (2017). Performance des Entreprises Informelles en Côte d’Ivoire: Quelle Contribution du Microcrédit? Journal of Economics and Finance, 8(2), 50-64. Available at doi: https://doi.org/10.9790/5933-0802015064.
Beck, T., & Demirgüç-Kunt, A. (2008). Access to finance: An unfinished agenda. World Bank Economic Review, 22(3), 383–396. http://doi.org/10.1093/wber/lhn021
Bernal, R. y Peña, X. (2011). Guía práctica para la evaluación de impacto. Universidad de los Andes, Facultad de Economía, Centro de Estudios sobre Desarrollo Económico (CEDE); Ediciones Uniandes.
Bettoni, L., Santos, M., & Oliveira, G. (2023). The impact of microcredit on small firms in Brazil: A potential to promote investment, growth and inclusion. V45(3). Pag, 592 – 608. https://doi.org/10.1016/j.jpolmod.2023.04.005
Bruton, G., Khavul, S., Siegel, D., & Wright, M. (2015). New financial alternatives in seeding entrepreneurship: Microfnance, crowdfunding, and peer-to-peer innovations. Entrepreneurship theory and practice, Vol. 39(1), pp. 9–26.
Capasso, S., & Jappelli, T. (2013). Financial development and the underground economy. Journal of Development Economics, 101(1), 167–178.
Castro, F., Londoño, D., Parga, A.J. & Peña, C. (2021). Factores que inciden en la decisión de ahorro de los microempresarios. Documento 533. Banca de las Oportunidades. Departamento Nacional de Planeación. 533.pdf (bancadelasoportunidades.gov.co)
Cowling, M. and Westhead, P. (1996). Bank lending decisions and small firms: does size matter?. International Journal of Entrepreneurial Behavior & Research, Vol. 2 No. 2, pp. 52-68. https://doi.org/10.1108/13552559610119331
Demirgüç-Kunt, Asli (2006). Finance and Economic Development: Policy Choices for Developing Countries. World Bank Policy Research Working Paper No. 3955, Available at SSRN: https://ssrn.com/abstract=923262
Departamento Administrativo Nacional de Estadística [DANE]. (2023a). Encuesta de micronegocios 2022. Gobierno de Colombia.
Departamento Administrativo Nacional de Estadística [DANE]. (2023b). Metodología General Encuesta de Micronegocios. Producción Estadística.
Departamento Administrativo Nacional de Estadística [DANE]. (2023c). Encuesta de micronegocios 2019. Gobierno de Colombia.
Departamento Administrativo Nacional de Estadística [DANE]. (2023d). Encuesta de micronegocios 2021. Gobierno de Colombia.
Departamento Nacional de Planeación. (2019). Política de formalización empresarial. (Documento CONPES 3956). Bogotá D.C., Colombia: DNP.
Fernández, D. (2014). Impacto microcrédito sobe las utilidades de las microempresas en Colombia. Reporte de Estabilidad Financiera mayo 2014. Banco de la República. TEF_79.pdf (banrep.gov.co)
Ferras, J. C., & Ramos, L. (2018). Inclusión financiera para la inserción productiva de las empresas de menor tamaño en América Latina. Santiago de Chile: Comisión Económica para América Latina y el Caribe (CEPAL).
Floro, Sagrario l. y Pan A. Yotopoulos (1991). Informal Credit Markets and the New Institutional Economics: The Case of Philippine Agriculture. Boulder, San Francisco and Oxford, Westview Press.
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dc.publisher.faculty.spa.fl_str_mv Facultad de Ciencias Económicas
dc.publisher.place.spa.fl_str_mv Bogotá, Colombia
dc.publisher.branch.spa.fl_str_mv Universidad Nacional de Colombia - Sede Bogotá
institution Universidad Nacional de Colombia
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spelling Atribución-NoComercial 4.0 Internacionalhttp://creativecommons.org/licenses/by-nc/4.0/info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2Ruiz Martínez, Carlos Albertoe5634f796b12b2211b1689456d3ed5c5Tobar Cruz, John Sebastianca87d47a7d80f6f7b0bb1f8651236e842024-06-24T19:36:25Z2024-06-24T19:36:25Z2024https://repositorio.unal.edu.co/handle/unal/86288Universidad Nacional de ColombiaRepositorio Institucional Universidad Nacional de Colombiahttps://repositorio.unal.edu.co/ilustraciones, diagramas, mapasEste 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).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.Maestríaviii, 60 páginasapplication/pdfspaUniversidad Nacional de ColombiaBogotá - Ciencias Económicas - Maestría en Ciencias EconómicasFacultad de Ciencias EconómicasBogotá, ColombiaUniversidad Nacional de Colombia - Sede Bogotá330 - Economía::332 - Economía financieraE26 Informal Economy • Underground EconomyG32 Financing Policy • Financial Risk and Risk Management • Capital and Ownership Structure • Value of Firms • GoodwillO16 Financial Markets • Saving and Capital Investment • Corporate Finance and GovernanceO17 Formal and Informal Sectors • Shadow Economy • Institutional ArrangementsR51 Finance in Urban and Rural EconomiesAcceso a créditoMicronegociosFormalidad empresarialCrecimiento empresarialCrédito informalPropensity score matchingCredit accesMicrobusinessBusiness formalityBusiness growthInformal creditCréditoPequeña empresaCrecimiento económicoCreditSmall enterprisesEconomic growthIncidencia del acceso al crédito en el crecimiento y la formalidad de los micronegocios en ColombiaIncidence of credit access on the growth and formality of microbusiness in ColombiaTrabajo de grado - Maestríainfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/acceptedVersionTexthttp://purl.org/redcol/resource_type/TMColombiahttp://vocab.getty.edu/page/tgn/1000050Acevedo, M. & Ángel, A. (2022). Relación entre la formalización microempresarial y el acceso a los mercados financieros formales en Colombia. Universidad EAFIT. http://hdl.handle.net/10784/31683Aga, G. A., y Reilly, B. (2011). Access to credit and informality among micro and small enterprises in Ethiopia. International Review of Applied Economics, Vol. 25(3), pp. 313-329. https://doi.org/10.1080/02692171.2010.498417Álvarez, F. & Meléndez, M. (2010). Banking Services Supply and Micro Firm Performance: Evidence from Colombia. CAF Working paper, 2010/09, Caracas: CAF. Retrieved from https://scioteca.caf.com/handle/123456789/213Asobancaria. (2022). Ensayos sobre inclusión financiera en Colombia. Volumen II. Bogotá, Colombia.Ayyagari, M., Juarros, P., Martinez, M., & Singh, S. (2016). Access to Finance and Job Growth: Firm-Level Evidence Across Developing Countries. World Bank Policy Research Working Paper No. 7604. https://ssrn.com/abstract=2748867Bagehot, W. (1873). A Description of the Money Market, Homewood, IL: Richard D. Irwin, (1962 Edition) Lombard Street.Banco Mundial. (2017). Enterprise Survey Colombia 2017. Washington D.C.:World Bank Group.Banerjee, A. V. (2013). Microcredit under the microscope: what have we learned in the past two decades, and what do we need to know? The Annual Review of Economics, Vol. 5(1), pp. 487–519.Banerjee, A., Breza, E., Duflo, E. & Kinnan. (2019). Can microfinance unlock a poverty trap form some entrepreneurs? National Bureau Economic Research. https://doi.org/10.3386/w26346Becho, I. (2017). Performance des Entreprises Informelles en Côte d’Ivoire: Quelle Contribution du Microcrédit? Journal of Economics and Finance, 8(2), 50-64. Available at doi: https://doi.org/10.9790/5933-0802015064.Beck, T., & Demirgüç-Kunt, A. (2008). Access to finance: An unfinished agenda. World Bank Economic Review, 22(3), 383–396. http://doi.org/10.1093/wber/lhn021Bernal, R. y Peña, X. (2011). Guía práctica para la evaluación de impacto. Universidad de los Andes, Facultad de Economía, Centro de Estudios sobre Desarrollo Económico (CEDE); Ediciones Uniandes.Bettoni, L., Santos, M., & Oliveira, G. (2023). The impact of microcredit on small firms in Brazil: A potential to promote investment, growth and inclusion. V45(3). Pag, 592 – 608. https://doi.org/10.1016/j.jpolmod.2023.04.005Bruton, G., Khavul, S., Siegel, D., & Wright, M. (2015). New financial alternatives in seeding entrepreneurship: Microfnance, crowdfunding, and peer-to-peer innovations. Entrepreneurship theory and practice, Vol. 39(1), pp. 9–26.Capasso, S., & Jappelli, T. (2013). Financial development and the underground economy. Journal of Development Economics, 101(1), 167–178.Castro, F., Londoño, D., Parga, A.J. & Peña, C. (2021). Factores que inciden en la decisión de ahorro de los microempresarios. Documento 533. Banca de las Oportunidades. 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Financiamiento para el desarrollo.EstudiantesInvestigadoresPúblico generalResponsables políticosLICENSElicense.txtlicense.txttext/plain; charset=utf-85879https://repositorio.unal.edu.co/bitstream/unal/86288/1/license.txteb34b1cf90b7e1103fc9dfd26be24b4aMD51ORIGINAL1014285648.2024.pdf1014285648.2024.pdfTesis de Maestría en Ciencias Económicasapplication/pdf1468111https://repositorio.unal.edu.co/bitstream/unal/86288/2/1014285648.2024.pdfda26b099d900e0892b2b6f6fefc3bd16MD52THUMBNAIL1014285648.2024.pdf.jpg1014285648.2024.pdf.jpgGenerated Thumbnailimage/jpeg5028https://repositorio.unal.edu.co/bitstream/unal/86288/3/1014285648.2024.pdf.jpge6a561db4d73863a6d3dcac2e96f6e02MD53unal/86288oai:repositorio.unal.edu.co:unal/862882024-08-25 23:11:51.168Repositorio Institucional Universidad Nacional de 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