Estudio de factores que determinaron el otorgamiento de crédito a la Pymes por parte los principales bancos en Bogotá en el período 2007 - 2013

Abstract

This investigation explains the key factors that made possible the access to credit to SMEs in Bogota between 2007 and 2013, this frame time was selected to detect the impact of the 2008 Global Financial Crisis and the government measures to face that, these measures promoted the creation and growing of the SMEs. Also it’s analyzed the ways how the banks examine their clients, especially the SMEs when they apply for credits, it shows that Credit Scoring is a fundamental to perform the financial evaluation and the Payment History have a weighting in the credit approval and finally a financial model runs to evaluate possibilities of the SMEs to access to credit. It shows that information failures are the main cause of informality and illegality what hinders the access to credit.