FINANCIAL MODEL FOR INFORMAL MSMES IN THE INDUSTRIAL AREA OF COLIMA

• DOI: https://doi.org/10.22533/at.ed.2164232425118

• Palavras-chave: company, financial model, classification, size, industry.

• Keywords: company, financial model, classification, size, industry.

• Abstract:

  This research is about micro-enterprises (informal MSMEs) in Colima, starting from their global industrial context to the local one, emphasizing the agricultural activities that are the main ones in the State; since it is intended to propose a financial model with investment and financing options, in the first case that guarantee a competitive return and risk reduction with minimum investments and without obligatory terms; In the second case, reference is made to those companies in the industrial area with scarce liquidity and lack of credit capacity that are demanding resources and that for these the financing process is facilitated without a commitment of forced interest and without compromising the authority and administration of the company with outsiders. It is intended that the companies that offer and demand resources are regional, both identified in this research. It is transcendental for the society of Colima, since based on data from INEGI (2020) 99.8% of the companies are micro and small and more than 55.2% are informal INEGI (2023), which limits their access to financing that allows them to pay operating expenses to continue working.