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El Acceso Al Crédito Para Microempresas En Alajuela, Cartago Y Heredia

Author

Listed:
  • Méndez Chacón, Esteban
  • Villalta Díaz, Rodrigo

Abstract

El objetivo principal de este trabajo es analizar el grado de acceso al crédito para microempresarios en Alajuela, Cartago y Heredia. Se toma como muestra un grupo de 401 negocios, que posean de 1 a 5 trabajadores y que no se dediquen a actividades agrícolas. El artículo muestra que el grado de acceso al crédito de los microempresarios suele ser bajo en lo que respecta a créditos formales (instituciones financieras reguladas por la SUGEF) e informales (prestamistas, parientes o amigos), pero alto en lo relativo a créditos semi-informales (proveedores y clientes).

Suggested Citation

  • Méndez Chacón, Esteban & Villalta Díaz, Rodrigo, 2013. "El Acceso Al Crédito Para Microempresas En Alajuela, Cartago Y Heredia," Revista de Ciencias Económicas, Instituto de Investigaciones en Ciencias Económicas, Universidad de Costa Rica, vol. 30(2), December.
    • Handle: RePEc:rce:rvceco:8050
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    File URL: https://revistas.ucr.ac.cr/index.php/economicas/article/view/8050
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    More about this item

    Keywords

    ACCESO AL CRÉDITO; MICROEMPRESA; CRÉDITO FORMAL; CRÉDITO SEMI-INFORMAL; CRÉDITO INFORMAL.;
    All these keywords.

    JEL classification:

    • A - General Economics and Teaching

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