Examinando por Materia "Micronegocios"

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  • No hay miniatura disponible
    Publicación
    Relación del e-commerce con la formalización de micronegocios en Colombia : un análisis en el contexto del Covid-19
    (Universidad EAFIT, 2025-11-07) Ibarra Lecompte, Juan Sebastián; Jaramillo Canastero, María Adelaida; Cardona Rodríguez, Michael Alberto
    This study examines the effects of e-commerce adoption on the formalization of micro-businesses in Colombia during the 2019-2023 period. Using microdata from DANE’s Microbusiness Survey (EMICRON), we estimate logit models to evaluate the relationship between digital tools, such as online sales, mobile applications, and electronic banking, and the likelihood of formal registration through the "Cámara de Comcercio" or tax identification (RUT). The results show that e-commerce adoption is positively associated with higher levels of formalization, indicating that digitalization functions as a mechanism for visibility and business strengthening, particularly since the acceleration brought by the COVID-19 pandemic. The findings suggest that digital transformation is an effective path to promote the formalization and productive integration of micro-enterprises into the Colombian economy
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    Publicación
    Relación entre la formalización microempresarial y el acceso a los mercados financieros formales en Colombia
    (Universidad EAFIT, 2022) Acevedo Martelo, Manuela; Ángel Correa, Andrés; Acosta Mejía, Camilo Andrés
    This paper analyzes the relationship between the access to formal financial systems by micro businesses in Colombia during 2019 and its relationship with their transition in the gradual process of formalization. It is found that there is a positive and significant correlation between access to the formal financial system and the formalization of micro businesses. The results suggest that micro businesses that apply for formal credit have a 8.3% higher probability of not being totally informal. By addressing the endogeneity problem, it is found that there is a causal relationship between access to formal financial systems and formalization. Micro businesses that apply for credit in the formal financial system have a 95% higher probability of not being completely informal.