Análisis del crédito informal y su incidencia en pequeños comerciantes del municipio de Pamplona, Norte de Santander.

Abstract

The objective of this study was to analyze informal credit and its impact on small businesses in the municipality of Pamplona Norte de Santander. The research is based on the theoretical and practical foundation of previous research such as that carried out by Hernández and Oviedo (2016), Cadena (2012), among others and mainly on what was exposed by Raccanello (2013), who delves into the characteristics and incidence of informal credit. A quantitative, descriptive and transversal research was carried out, applying a survey of 20 questions, to a sample of 60 small merchants of the municipality that had acquired informal credits. The results were tabulated with an Excel spreadsheet according to the previously established categories and subcategories. It was found within the main causes of access, the few requirements, speed and easy disbursement of the loan; the main consequences pointed to a reduction in the financial resources of the business, the reduction of competitiveness and the increase in the indebtedness of the merchants.