PERSPECTIVE OF CREDIT IN MICROBUSINESSES
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Abstract
Although there are studies on the characterization of finance in microbusinesses, there is a need to know if there is an interest in acquiring credit for their business and a lack of knowledge regarding the purpose of acquiring credit. The purpose of this study was to determine the interest and use of credit in microenterprises. A total of 4822 microentrepreneurs from various municipalities in the country participated. They completed an online survey divided into sections such as characterization, innovation, operation and organization, business model, financial and accounting, marketing and commercialization, and formalization, and a unidirectional circular anova was run to statistically justify this observation. The results show that there is a degree of interest in acquiring inputs, taking advantage of low interest rates, generating a temporary investment to take advantage of economic cycles, implementation of information technology (IT) strategies, financial urgencies at the moment, payroll payments, making payments to suppliers, investment in infrastructure and payments of other obligations, the analysis of the circular tests of multiple samples the Watson-Wheeler test which is a unidirectional non-parametric ANOVA on circular data. It showed that the data points in the middle direction and its length is a measure of data concentration in fact shows a significant factor result around the financial and accounting. It is concluded that for the microentrepreneur there is a strong tendency in the middle direction of generating a temporary investment to take advantage of economic cycles and payroll payments; and its length to payroll payment and taking advantage of low interest rates.
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