Examinando por Materia "Default probability"

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    Ítem
    Variables estratégicas para el acceso al financiamiento de las micro y pequeñas empresas del sector del comercio
    (Universidad EAFIT, 2024) Ávila Bautista , Catalina; Mesa Pardo , Daniela; Bruckner Borrero, Clara Eugenia
    The purpose of this research project is to identify the variables that affect and impact micro and small companies in the commerce sector in Colombia, as they upset their financial viability, preventing access to the financial sector, given their probability of non-compliance. For this aim, financial information for 2022 was collected from 1,158 companies, in which the financial indicators of liquidity, debt, solvency and activity were considered. Additionally, factors such as number of employees, time of incorporation and city of operation were considered, and with the information collected, the logit econometric model was applied, which made it possible to identify the variables that influence the generation of a negative operating margin. It was concluded that the age of establishment, accounts receivable and the leverage indicator are determinants to predict the probabilities of default.