Opciones pertinentes de financiamiento para las micro, pequeñas y medianas empresas en el Sistema Bancario Estatal costarricense por medio del Sistema de Banca para el Desarrollo
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This research was done due to the growth of MSMEs in the country and the role of System Development Banking and financial market participants. The overall objective is to determine the relevant financing options for micro, small and medium enterprises that exist in the Costa Rican state banking though the System by the Bank for Development. To perform this work, sampling was developed for convenience and opportunity, due to the limited resources available for the implementation of interviews. Interviewers provided important information to determine whether the law established by the SBD is applied to the development of these companies. Financial options in state banks were analyzed, while interviewed experts from other financial operators (cooperatives, financial and private banks), obtained a broad overview of comparison between both. Also, the differences that apply to each entity to access these financing resources of the Bank for Development and analysis focused on knowing the characteristics and variables that are taken into account for each organization to assess and grant funding. In addition, compared the national reality with the experience of some countries in which it has similar banking systems or institutions for development aid MSMEs, to compare the development and planning that takes place in Costa Rica. Finally, it was concluded that the financing of MSMEs, through the Banking System Development, it is applied differently in each State Bank and other financial operators, requested requirements, the importance and relevance of each entity attributes to them. In addition, the Bank for Development has opportunities for improvement that should be treated.
Proyecto de graduación (Licenciatura en Administración de Empresas. Enfasis en Finanzas) Instituto Tecnológico de Costa Rica, Escuela de Administración de Empresas, 2016.