Credit Propensity, Capital Structure and Strategic Status in Micro, Small and Medium Sized Businesses in Panama

In this paper explores the position of Micro, Small and Medium Enterprises (MSMEs) in terms of three key variables: propensity to credit, capital structure and strategic profile. The premises presented in this scientific essay are derived from the interpretation of data and results of two studies applied to MSMEs. Some elements are presented that illustrate the most frequent preferences and behaviors together with conceptual considerations, with the purpose of trying to explain the main financial and strategic challenges of this type of companies in the national context. In each of the studies that serve as the basis for this paper, surveys were applied as instruments for data collection.