Do microenterprises' size and status matter to access informal finance?
DOI:
https://doi.org/10.29201/peipn.v12i23.384Palabras clave:
economía informal, finanzas informales, microempresasResumen
Las microempresas (MEs) cuando no obtienen los recursos que requieren por parte del sector financiero formal pueden obtenerlos a través de otros intermediarios informales. En este artículo analizamos si las MEs, de acuerdo a su tamaño y estatus de registro ante las autoridades, utilizan el sector financiero informal. Con una muestra de 400 MEs de la ciudad de Puebla (Mexico) durante 2006, encontramos que tanto las MEs informales como las formales utilizan créditos informales pero, aunque el estatus de la MEs tenga relevancia per-se, las medianas MEs informales piden créditos a prestamistas y familiares/amigos. Debido que las MEs formales, sin importar su tamaño, también utilizan el mercado financiero informal, los resultados indican la falta de crédito para las MEs.
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