Resumen

By understanding micro-credit as the main source of finance for micro-enterprises, their relation with the development and the large percentage that micro-enterprises represent in the Colombian business network. In this paper, a market research is carried out that aims to identify the micro-credit needs of micro-enterprises in the city of Ibagué and serve as input for the creation of a commercial micro-credit business. As a tool for the identification of information in primary sources, surveys were applied to 200 micro-enterprises in the city. Of these enterprises, about 80% belong to the commerce, repair, restaurant and hotel sector. As main results, it was found that more than 70% consider formal credit as a first option but still more than half of them have not accessed one, the micro-enterprises surveyed need a reduction in the number of formalities involved in formal credit and fair interest rates because it is the most important factor when it comes to decision making at the time of the request. On the side of secondary sources, it was found that it is important to diversify the service offered and the way to evaluate the client according to the targeted sectors and offer a comprehensive accompaniment that includes economic and financial education for the beneficiaries.