Formal microcredit and the sustainability of Peruvian microenterprises. Lima Case
Descripción del Articulo
It is of public knowledge that Lima has experienced an immigration phenomenon predominantly since the 70’s, evidenced by a disorderly demographic explosion, where the population of lesser resources has found in popular entrepreneurship, option for self-employment and improve their economic income an...
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| Formato: | artículo |
| Fecha de Publicación: | 2021 |
| Institución: | Universidad Nacional Mayor de San Marcos |
| Repositorio: | Revistas - Universidad Nacional Mayor de San Marcos |
| Lenguaje: | español |
| OAI Identifier: | oai:ojs.csi.unmsm:article/21812 |
| Enlace del recurso: | https://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/21812 |
| Nivel de acceso: | acceso abierto |
| Materia: | Banking finance microcredit sustainability formality Banca finanzas microcrédito sostenibilidad formalidad |
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Formal microcredit and the sustainability of Peruvian microenterprises. Lima CaseMicrocrédito formal y la sostenibilidad de las microempresas peruanas. Caso LimaMauricio Pachas, Pablo WillinsMauricio Pachas, Pablo WillinsBankingfinancemicrocreditsustainabilityformalityBancafinanzasmicrocréditosostenibilidadformalidadIt is of public knowledge that Lima has experienced an immigration phenomenon predominantly since the 70’s, evidenced by a disorderly demographic explosion, where the population of lesser resources has found in popular entrepreneurship, option for self-employment and improve their economic income and access to better quality of life, creating micro enterprises. The formal microcredit appeared as a form of mutual support, between the contributing and the receiving entity. This research, with a quantitative approach, applied type, relational level, non-experimental design and cross section, sought to determine the relationship between formal microcredit and the sustainability of Peruvian microenterprises, in the case of Metropolitan Lima, 2020. Descriptive, dispersion, normality and hypothesis testing results were obtained. The results showed that formal microcredit is positively and moderately related to the sustainability (general, environmental, social and economic) of Peruvian microenterprises, specifically in Lima, 2020. Finally, recommendations are presented to government representatives and decision-makers, to managers of companies in the banking sector and to researchers specializing in this area.Es de conocimiento público que Lima ha experimentado un fenómeno inmigratorio predominantemente desde la década de los 70’s, evidenciándose en una explosión demográfica desordenada, donde la población de menores recursos ha encontrado en el emprendimiento popular, opción para el auto empleo y mejorar sus ingresos económicos y acceder a mejor calidad de vida, creando microempresas. El microcrédito formal apareció como forma de apoyo mutuo, entre la entidad aportante y la receptora. Esta investigación de enfoque cuantitativo, tipo aplicado, nivel relacional, diseño no experimental y corte transversal buscó determinar la relación entre microcrédito formal y la sostenibilidad de las microempresas peruanas, en el caso Lima Metropolitana, 2020. Se obtuvieron resultados descriptivos, de dispersión, de normalidad, y de prueba de hipótesis. Los resultados finales permitieron determinar que el microcrédito formal se relaciona positiva y moderadamente con la sostenibilidad (general, ambiental, social y económica) de las microempresas peruanas, específicamente en Lima, 2020. Por último, se presentan recomendaciones a representantes y tomadores de decisiones del gobierno, a directivos de empresas del sector bancario y a investigadores del área especializada en esta temática.Universidad Nacional Mayor de San Marcos, Facultad de Ciencias Administrativas2021-12-23info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtículo revisado por paresapplication/pdfhttps://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/2181210.15381/gtm.v24i48.21812Gestión en el Tercer Milenio; Vol. 24 No. 48 (2021); 3-11Gestión en el Tercer Milenio; Vol. 24 Núm. 48 (2021); 3-111728-29691560-9081reponame:Revistas - Universidad Nacional Mayor de San Marcosinstname:Universidad Nacional Mayor de San Marcosinstacron:UNMSMspahttps://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/21812/17404Derechos de autor 2021 Pablo Willins Mauricio Pachashttp://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessoai:ojs.csi.unmsm:article/218122021-12-27T16:50:31Z |
| dc.title.none.fl_str_mv |
Formal microcredit and the sustainability of Peruvian microenterprises. Lima Case Microcrédito formal y la sostenibilidad de las microempresas peruanas. Caso Lima |
| title |
Formal microcredit and the sustainability of Peruvian microenterprises. Lima Case |
| spellingShingle |
Formal microcredit and the sustainability of Peruvian microenterprises. Lima Case Mauricio Pachas, Pablo Willins Banking finance microcredit sustainability formality Banca finanzas microcrédito sostenibilidad formalidad |
| title_short |
Formal microcredit and the sustainability of Peruvian microenterprises. Lima Case |
| title_full |
Formal microcredit and the sustainability of Peruvian microenterprises. Lima Case |
| title_fullStr |
Formal microcredit and the sustainability of Peruvian microenterprises. Lima Case |
| title_full_unstemmed |
Formal microcredit and the sustainability of Peruvian microenterprises. Lima Case |
| title_sort |
Formal microcredit and the sustainability of Peruvian microenterprises. Lima Case |
| dc.creator.none.fl_str_mv |
Mauricio Pachas, Pablo Willins Mauricio Pachas, Pablo Willins |
| author |
Mauricio Pachas, Pablo Willins |
| author_facet |
Mauricio Pachas, Pablo Willins |
| author_role |
author |
| dc.subject.none.fl_str_mv |
Banking finance microcredit sustainability formality Banca finanzas microcrédito sostenibilidad formalidad |
| topic |
Banking finance microcredit sustainability formality Banca finanzas microcrédito sostenibilidad formalidad |
| description |
It is of public knowledge that Lima has experienced an immigration phenomenon predominantly since the 70’s, evidenced by a disorderly demographic explosion, where the population of lesser resources has found in popular entrepreneurship, option for self-employment and improve their economic income and access to better quality of life, creating micro enterprises. The formal microcredit appeared as a form of mutual support, between the contributing and the receiving entity. This research, with a quantitative approach, applied type, relational level, non-experimental design and cross section, sought to determine the relationship between formal microcredit and the sustainability of Peruvian microenterprises, in the case of Metropolitan Lima, 2020. Descriptive, dispersion, normality and hypothesis testing results were obtained. The results showed that formal microcredit is positively and moderately related to the sustainability (general, environmental, social and economic) of Peruvian microenterprises, specifically in Lima, 2020. Finally, recommendations are presented to government representatives and decision-makers, to managers of companies in the banking sector and to researchers specializing in this area. |
| publishDate |
2021 |
| dc.date.none.fl_str_mv |
2021-12-23 |
| dc.type.none.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Artículo revisado por pares |
| format |
article |
| status_str |
publishedVersion |
| dc.identifier.none.fl_str_mv |
https://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/21812 10.15381/gtm.v24i48.21812 |
| url |
https://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/21812 |
| identifier_str_mv |
10.15381/gtm.v24i48.21812 |
| dc.language.none.fl_str_mv |
spa |
| language |
spa |
| dc.relation.none.fl_str_mv |
https://revistasinvestigacion.unmsm.edu.pe/index.php/administrativas/article/view/21812/17404 |
| dc.rights.none.fl_str_mv |
Derechos de autor 2021 Pablo Willins Mauricio Pachas http://creativecommons.org/licenses/by/4.0 info:eu-repo/semantics/openAccess |
| rights_invalid_str_mv |
Derechos de autor 2021 Pablo Willins Mauricio Pachas http://creativecommons.org/licenses/by/4.0 |
| eu_rights_str_mv |
openAccess |
| dc.format.none.fl_str_mv |
application/pdf |
| dc.publisher.none.fl_str_mv |
Universidad Nacional Mayor de San Marcos, Facultad de Ciencias Administrativas |
| publisher.none.fl_str_mv |
Universidad Nacional Mayor de San Marcos, Facultad de Ciencias Administrativas |
| dc.source.none.fl_str_mv |
Gestión en el Tercer Milenio; Vol. 24 No. 48 (2021); 3-11 Gestión en el Tercer Milenio; Vol. 24 Núm. 48 (2021); 3-11 1728-2969 1560-9081 reponame:Revistas - Universidad Nacional Mayor de San Marcos instname:Universidad Nacional Mayor de San Marcos instacron:UNMSM |
| instname_str |
Universidad Nacional Mayor de San Marcos |
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UNMSM |
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UNMSM |
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Revistas - Universidad Nacional Mayor de San Marcos |
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Revistas - Universidad Nacional Mayor de San Marcos |
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Nota importante:
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
