METHODOLOGY FOR DETERMINING ACCESS TO MICRO ENTERPRISE CREDIT
Keywords:
credit, micro-enterprise, micro-entrepreneurs, access.Abstract
In this paper, a methodology is developed to identify those characteristics of micro-enterprises and micro-entrepreneurs related to access to commercial credit. This methodology is applied, for illustrative purposes, to a sample of 401 micro-enterprises and micro-entrepreneurs in Costa Rica. Although the main purpose of this paper is to present the methodology rather than commenting on the results of its application, the following results should be highlighted: on average, men have more access to credit, while the levels of education and age have no significant influence on access.
References
Aguilar, M. Trivella, C. (2004). El Financiamiento de las micro y pequeñas empresas en Puno: Un análisis empírico de la demanda de créditos. Recuperado de: http://cies.org.pe/publicaciones/economia-y-sociedad
Bloch, R. Granato, L. (octubre-noviembre-diciembre, 2007). Las PYMES y el acceso al crédito. Observatorio iberoamericano del desarrollo local y la economía social (1)2, 454 – 461.
Gutiérrez, M., Serrano, J. (2004). Mejoramiento de las condiciones de acceso al crédito para microempresarios. Universidad de los Andes, Bogotá. Fundación Corona.
Gutiérrez, F. y Bolaños R. (1999). El financiamiento de la pequeña y mediana empresa en Costa Rica: Análisis del comportamiento reciente y propuestas de reforma CEPAL, Financiamiento del Desarrollo 77, 0-64.
León de Cermeño, J. Shreiner, M (1998). Financiamiento para las micro y pequeñas empresas: Algunas líneas de acción. Economía (21)41, 61-106.
Ministerio de Economía Industria y Comercio de Costa Rica (2011). Oferta de crédito para pymes. Recuperado de: http://reventazon.meic.go.cr/informacion/estudios/2011/pyme/credito/abril/estudio.pdf
Villalobos, V. (1994). Microenterprise Access to credit in Costa Rica. Tesis de maestría. The Ohio State University.
Downloads
Published
How to Cite
Issue
Section
License
This publication is subject to the Creative Commons License; therefore, its attributions and restrictions must be respected.
Authors publishing in this Journal accept the following conditions:
- Authors retain copyright ownership and give the Journal first publication right of the paper, which is registered with the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License. This license allows third parties to use the published work provided it is sourced as firstly published in this Journal.
- Authors may enter into other independent and additional contractual agreements for the non-exclusive distribution of the article published in this Journal (e.g., to be included in an institutional repository or published in a book) provided it is clearly stated that the work was published in this Journal for the first time.
- Authors are allowed and recommended to publish their work on the Internet (for example, on institutional or personal pages) before and during the review and publication process, as it can lead to productive exchanges and a greater and faster dissemination of work published.
The Economía & Sociedad Journal, published by Universidad Nacional, is licensed under a Creative Commons Reconocimiento-NoComercial-CompartirIgual 4.0 Internacional License. Based on http://www.revistas.una.ac.cr/index.php/economia.
