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Desarro. soc. | eISSN 1900-7760 | ISSN 0120-3584

Impactos de la inclusión financiera en las microempresas: factores que explican el crecimiento empresarial

No. 100 (2025-07-17)
  • David Rodriguez-Gonzalez
    Harvard Business School
  • Andres Garcia-Suaza
    Universidad del Rosario
    Identificador ORCID: https://orcid.org/0000-0003-4987-0712
  • Alexander Sarango-Iturralde
    Universidad Paris I, Pathéon-Sorbonne
  • Juan Diego Mayorga
    Universidad del Rosario
  • Alvaro Pretel-Meneses
    Fundación WWB
  • Soraya Husain-Talero
    Fundación WWB
  • Lina Zarama
    Fundación WWB
  • Juan Camilo Urbano
    Fundación WWB
  • Daniel Giron
    Fundación WWB
  • Natalia Medina
    Fundación WWB
  • Aura Barberan
    Fundación WWB
https://doi.org/10.13043/DYS.100.3

Resumen

El acceso a mercados financieros, la digitalización y la formalidad han sido identificados como elementos clave, asociados al desempeño empresarial. Con esa premisa, el presente artículo da a conocer un análisis descriptivo de la brecha de ingresos, para un grupo de micronegocios (MN) de la región del Pacífico colombiano, examinando la manera como diferentes factores se asocian con esta brecha. Con información de MN participantes en un programa de la Fundación WWB Colombia, aplicando la descomposición Oaxaca-Blinder, se determinó que los MN formales, liderados por hombres con habilidades digitales e inclusión financiera, tienden a obtener mayores ingresos. Sustentado en un análisis cualitativo, se revela también que los microempresarios perciben el crédito informal más atractivo que el bancario, dada su facilidad y flexibilidad. Estos hallazgos sugieren que políticas dirigidas a fomentar el empoderamiento femenino, la formalización, la alfabetización digital y el acceso a servicios financieros podrían contribuir a cerrar las brechas entre MN del Pacífico colombiano.

Palabras clave: financiación, competencia digital, sector informal, género, Colombia

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