Microfinanzas: diagnóstico del sector de la micro y pequeña empresa y su tecnología crediticia

Toledo Concha, Emerson
November 2009
Contabilidad y Negocios;nov2009, Vol. 4 Issue 8, p23
Academic Journal
This research work shows how the financing for micro and small businesses in Peru has increased and has greatly expanded in the last few years, not only in institutions specialized in this field, focused their efforts in giving financial services to businesspeople of micro and medium-sized business, but most of the so-called traditional banks have focused their attention to this emerging sector using the know-how of microfinance lending technology, banking seek to work with people of low income sectors, that were not subject for credit opportunities to develop their business and as a consequence not able to improve their quality of life . Throughout this investigation, we make a diagnosis of macro and micro environment of the microfinance field, its development and expectations for a strong presence in the Peruvian financial market. We consider the development of lending technology, where the analysis of the ability and willingness to pay are the fundamental basis for the evaluation of credits in specialized companies in this sector.


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