Formas de financiación informal de los comerciantes informales en Colombia Casos: Cúcuta, Ibagué y Villavicencio

Abstract

The objective of this article is to analyze the incidence of informal financing on the economic benefits of informal traders, located in Cúcuta, Villavicencio and Ibagué cities in 2017, for this purpose 490 surveys were randomly applied to informal vendors in the three cities, where it was found that many people resort to this type of loans, only to finance working capital activities and not to expand the size of their businesses, assuming high interest rates and daily payments; It was also shown that this form of financing did not have a positive effect on the profits of the merchants. In order to verify the objective of the research, a cross-section econometric model was carried out; only the informal vendors of the cities mentioned in the previous paragraph who had some form of financing were selected. The dependent variable is net profit and as

2 independent variables, informal loans and financing of the banking system among others were taken.