Examinando por Materia "Productos de ahorro"

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    Diagnóstico sobre la inclusion financiera de las microempresas en el Área Metropolitana del Valle de Aburrá desde una óptica de su acceso y uso de productos financieros
    (Universidad EAFIT, 2025) Garro Betancur, Elizabeth; Rave Arango, Natalia; Giraldo Hernández, Gina María; Johnson García, Santiago
    The objective of this study is to diagnose the access and use of financial products related to savings, credit, and investment by micro-entrepreneurs in the “Aburrá Valley”, with the aim of contributing to their financial inclusion. Possible causes for the low access and use of financial products include factors such as financial education, the limited availability of products tailored to the needs of micro-entrepreneurs, their economic barriers, macroeconomic variables, risks of non-compliance, and geographic or infrastructural restrictions, among others. Through various methodologies, an analysis was conducted to better understand these limitations and provide recommendations to facilitate the access and use of financial products by micro-entrepreneurs in the metropolitan area of “Aburrá Valley”. Based on the results obtained, several conclusions have been drawn. It is expected that banks will design a more tailored and segmented offering that better meets the real needs of micro-entrepreneurs, supporting them in managing their businesses through a deeper understanding of their sector and providing them with tools to improve their financial literacy. Additionally, it is essential that microfinance institutions, cooperatives, and corporations continue advancing in digitalization and the use of technology to offer more competitive products in terms of interest rates. For their part, Fintech companies must take on a more significant role in offering savings, credit, and investment alternatives for micro-entrepreneurs.