CONDICIONES ACTUALES DEL FINANCIAMIENTO DE LAS PYMES COSTARRICENSES. (Current financing conditions for costa rican SME companies)
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Abstract
Uno de los temas indagados en el Segundo estudio nacional realizado por el Observatorio Costarricense de Mipymes durante el 2011 corresponde al financiamiento de las micros, pequeñas y medianas empresas costarricenses. Se consultaron las fuentes de financiamiento más utilizadas, la presentación de solicitudes de crédito durante los últimos cinco años, la utilización que en general hacen estas empresas de los diferentes medios de financiamiento y sus requerimientos actuales. De forma similar a lo que ocurre en otros países, los fondos propios constituyen la principal opción para estas empresas. Por ello, en este trabajo han sido analizadas las condiciones que propician la autofinanciación o el uso de otras opciones. Por medio del análisis estadístico de la información recopilada en la encuesta, se comprueba que algunas variables relativas a la gestión empresarial, tales como la fuente de financiamiento inicial, la experiencia del (de la) empresario(a) y la prioridad que dan al manejo de aspectos financieros, presentan una asociación significativa con las estrategias de financiamiento en las mipymes costarricenses.
ABSTRACT
Financing was one of the areas investigated in the Second National Survey of micro, small and medium sized Costa Rican companies during 2011. The most used financing sources, credit applications during the last five years, end use of this credit, and current credit requirements in various financing institutions were investigated. Similar to other countries, own funding was the main option for these companies. Thus, this work examines the conditions that facilitate the use of self financing or other options available. Through statistic analysis of the information collected, variables like initial funding source, previous experience of the entrepreneur and priority given to financial management were shown to present a definite relationship to financing strategies for Costa Rican SMEs.
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