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Publicaciones e Investigación
Vol. 14 No. 1 (2020)
Published 2020-01-20
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Copyright (c) 2020 Magazine specialized in Engineering

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When the Publicaciones e Investigaciones Journal receives an original study or article from its author(s), whether by email, postal service, or the platforms available for said purpose, know that it may be published in physical or electronic formats in national or international archives, databases, or SIRES. As such, Publications and Research authorizes the reproduction and citation of said material, provided that the description of information is carried out in conformity with bibliographic norms, and mention the corresponding names, authors, article, issue, and pages. Publications and Research, in advance, expresses that the information, concepts, and methods are the responsibility of the author(s). As such, the UNAD does not have any influence whatsoever over that expressed in the manuscript.

Review article

Microcredit, Alternative Financing in Mexican SMES

DOI: https://doi.org/10.22490/25394088.4056
Levit De los Santos Universidad Juárez Autónoma de Tabasco (UJAT), Villahermosa Tabasco, México
Candelaria Guzmán Fernández Universidad Juárez Autónoma de Tabasco (UJAT), Villahermosa Tabasco, México
Germán Martínez-Prats Universidad Juárez Autónoma de Tabasco (UJAT), Villahermosa Tabasco, México
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A literary review and theoretical conceptual analysis of microcredit granted by micro financial institutions is carried out to establish the feasibility of the instrument, as an alternative source of financing for SME, characteristics, advantages and disadvantages. An exploratory theoretical methodology was used. The results show the importance of SME in the Mexican economic sector. We analyze characteristics of Microfinance and Microcredits, we determine advantages such as: The state as disperser of risk, geographical distribution, conditions of accreditation, services, procedures, and increase of savings and financing and the following Disadvantages: Interest rates, microcredit model and empirical evidence. It is recommended the use in the short term as an instrument of inclusion to the financial system, to generate conditions for access to the traditional banking system in the medium or long term, this research has as limiting to be a theoretical investigation being susceptible to deepening. The viability of use and importance of Microcrédito for the survival of SME is determined.

keywords: Microcredit, pymes, Microfinance
license

Copyright (c) 2020 Magazine specialized in Engineering

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

When the Publicaciones e Investigaciones Journal receives an original study or article from its author(s), whether by email, postal service, or the platforms available for said purpose, know that it may be published in physical or electronic formats in national or international archives, databases, or SIRES. As such, Publications and Research authorizes the reproduction and citation of said material, provided that the description of information is carried out in conformity with bibliographic norms, and mention the corresponding names, authors, article, issue, and pages. Publications and Research, in advance, expresses that the information, concepts, and methods are the responsibility of the author(s). As such, the UNAD does not have any influence whatsoever over that expressed in the manuscript.

How to Cite
De los Santos, L., Guzmán Fernández, C., & Martínez-Prats, . G. . (2020). Microcredit, Alternative Financing in Mexican SMES: Recent Evidence Review. Publicaciones E Investigación, 14(1). https://doi.org/10.22490/25394088.4056
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