Factores Sociodemográficos de los Microemprendedores y Características del Emprendimiento de Perú Para el Acceso a Microfinanciamientos

Microfinance is a tool to support microentrepreneurship in developing countries by providing access to credit for increased working capital and asset investment. In this sense, it is important to recognize some indicators of the entrepreneur and the business, the main objective is to analyze the sociodemographic factors and characteristics of the entrepreneurship that affect access to high amounts of credit for microentrepreneurs in Lima, 2023. To this end, 73 business owners were surveyed, and the relationship of the variables was determined using Spearman's rho correlation coefficient, and to observe the effect of the aforementioned factors on access to credit, a binary logistic regression was applied. The results indicate that men with wholesale businesses are more likely to access high amounts in relation to women entrepreneurs.