Impacto de los préstamos gota a gota en los comerciantes informales del Municipio de Fundación, Magdalena.

Abstract

This work seeks to carry out an analysis of the phenomenon of informal loans known as “drop by drop” and its impact on informal merchants in the municipality of Fundación, Magdalena. The aim is to understand in depth the motivations or different factors that lead informal merchants in this municipality to resort to this type of credit. As well as evaluate the economic, social and psychological impact that these loans have on their daily lives and on local economic development. In addition, it aims to identify the main risks associated with the use of these loans, such as high interest rates and coercion by lenders; and propose effective strategies to mitigate these risks and at the same time show safer and more sustainable financial alternatives for informal traders in the area under study. Therefore, this study aims to contribute to strengthening the economic and social fabric of the municipality, promoting the financial inclusion and prosperity of its inhabitants.