Impacto de los microcréditos: apalancamiento Vs. endeudamiento de los microempresarios en los municipios de Líbano y Murillo Tolima.
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This monograph aims to identify the perception of microcredit in the municipalities of Lebanon and Murillo, requested by microentrepreneurs who want to leverage their businesses, start up their business ideas and grow in the market; In addition, the existing and available credit lines will be identified to finance the market, explain the advantages and disadvantages of these microcredits and design strategies for sound financial management of them. This monograph will be developed from the qualitative - quantitative approach, where the descriptive characterization will be supported by a market study, which will allow the analysis of data to build a diagnosis of the current status of microentrepreneurs in the municipalities of Lebanon and Murillo. , analyzing information issued by the Government of Tolima (based on the CIFIN), (Governorate of Tolima & University of Ibagué, Statistics 2011 - 2014 Lebanon, 2014) Lebanon presented in 2011: 864 microcredits, in 2012: 1,910 microcredits , in 2013: 2,123 microcredits and in 2014: 2,219 microcredits, corresponding to a 156.8% growth of this type of credit; in Murillo (Governorate of Tolima & University of Ibagué, Statistics 2011 - 2014 Murillo, 2014) in 2011: 1320 microcredits, in 2012: 1,721 microcredits, in 2013: 1,903 microcredits and in 2014: 2,041 microcredits, corresponding to one 54.62% growth. According to the ascending behavior of micro-credits in these municipalities and the presence of new entities such as the Women's Foundation, it is important to analyze the perception of micro-entrepreneurs who request micro-credits. An added value that we want to leave with this monograph is to design strategies for good management of microcredits, but more than leaving them reflected in this document, is to offer the possibility to microentrepreneurs who wish to obtain a loan to implement them from the moment they request basic information until the credit is taken and that they feel able to identify the real value of the microloans (money obtained plus interest and other charges that are generated), the amounts that are canceled at the time of finalizing or ending the obligation financial and good management that can be given to microcredit to obtain without becoming eternal credit.