EL PAPEL DE LA INFORMACIÓN FINANCIERA EN LA DEMANDA DEL MERCADO DEL CRÉDITO DE MYPES EN TABASCO, MÉXICO
DOI:
https://doi.org/10.19136/hitos.a0n47.480Keywords:
Información financiera. Demanda del crédito. Micro y pequeñas empresas. Tabasco.Abstract
RESUMEN Objetivo: Analizar el papel que la información financiera juega en el acceso al crédito de fuentes de financiamiento de MYPES manufactureras en Tabasco, México. Material y método: Se implementó una encuesta dirigida a las MYPES en su carácter de demandantes de financiamiento externo y se aplicó el estadístico de prueba Ji2.. Resultados: La contrastación de la hipótesis de trabajo, nos llevó a concluir que la falta de información ha propiciado que las MYPES se financien principalmente por fuentes informales. Conclusiones: Las mezclas de financiamiento obtenida, no han sido suficientes para realizar los proyectos de inversión. Este racionamiento del crédito ha sido uno de los impedimentos que han tenido las MYPES para modernizarse y volverse más eficientes. ABSTRACT Objetive: This research analyzed the role that financial information plays in the access to financing sources credit for small and medium-sized manufacturing businesses (SMBs) in Tabasco, Mexico. Material and Methods: A survey oriented to the small and medium-sized enterprises, the demanders of external financing, was implemented, and a chi-squared test Ji2. was applied. Results: The contrasting of the working hipothesis led us to the conclusion that the lack of information has propitiated that the SMBs acquire their funding mainly from informal sources. Conclusions: The Mixtures of funding obtained have not been enough to carry out the investment projects. This credit rationing has been one of the impediments that SMBs have had in order to become more modern and efficient.Downloads
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