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Inclusión financiera y tecnologías de la información y comunicación en las MiPymes en Colombia. Caso micronegocios período 2019-2021

Author

Listed:
  • Gustavo Adolfo Díaz Valencia

    (Universidad Piloto de Colombia)

  • Álvaro Villa Martínez

    (Universidad Piloto de Colombia)

Abstract

Los micronegocios representan más del 90% del tejido empresarial colombiano; sin embargo, la mayoría son informales, no están bancarizados y carecen de tecnologías de información para ser más competitivos; por tal razón, el objetivo de esta investigación es analizar la probabilidad de lograr procesos de inclusión financiera y adopción de Tecnologías de la Información y Comunicación (TIC) en la formalización de los micronegocios en Bogotá durante el periodo 2019-2021. Desde el punto de vista metodológico, se utilizó un esquema mixto, basado en un análisis cualitativo (caracterización y análisis de resultados) y un análisis cuantitativo, a partir de la base de datos de 15,026 micronegocios, tomados de la Encuesta de Micronegocios del Departamento Administrativo Nacional de Estadística (DANE), donde se implementó un modelo Probit para calcular la probabilidad de alcanzar la formalización y bancarización mediante un análisis probabilístico y de efectos marginales. El estudio concluye que la inclusión financiera y la adopción de TIC, son fundamentales para garantizar el crecimiento de los micronegocios, aunque algunos continúen en la informalidad y no puedan acceder a estas herramientas que garanticen su sostenibilidad. Los resultados del modelo Probit demuestran que la formalidad aumenta cuando las empresas se formalizan en la Cámara de Comercio y obtienen el Registro Único Tributario (RUT).

Suggested Citation

  • Gustavo Adolfo Díaz Valencia & Álvaro Villa Martínez, 2024. "Inclusión financiera y tecnologías de la información y comunicación en las MiPymes en Colombia. Caso micronegocios período 2019-2021," Revista Tendencias, Universidad de Narino, vol. 25(1), pages 139-165.
    • Handle: RePEc:col:000520:021061
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    References listed on IDEAS

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    2. Santa María Mauricio & Sandra Rozo, 2009. "Análisis cualitativo y cuantitativo de la informalidad empresarial en Colombia," Revista Desarrollo y Sociedad, Universidad de los Andes,Facultad de Economía, CEDE.
    3. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
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    JEL classification:

    • D21 - Microeconomics - - Production and Organizations - - - Firm Behavior: Theory
    • D52 - Microeconomics - - General Equilibrium and Disequilibrium - - - Incomplete Markets
    • M15 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - IT Management
    • M20 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Economics - - - General
    • M21 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Economics - - - Business Economics

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