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Colombia : Bank Financing to Small- and Medium-Sized Enterprises (SMEs) in Colombia

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dc.contributor.author World Bank
dc.date.accessioned 2012-06-11T15:33:57Z
dc.date.available 2012-06-11T15:33:57Z
dc.date.issued 2007-12
dc.identifier.uri http://hdl.handle.net/10986/7654
dc.description.abstract Small-and Medium-Sized Enterprises (SMEs) represent an important part of the Colombian economy, although they are not well documented in official statistics. In particular, there does not exist sufficient periodic data as to their characteristics, evolution, or overall contribution to the economy - in most cases, SMEs tend to be bundled together with micro enterprises in official statistics. The true size of the market is understated due to informality. Lack of access to finance has been cited as an important problem in recent surveys. However, there are significant differences in perceptions as to the size and causes of the financing gap. While there is strong evidence to support its existence following the 1999 crisis, the significant growth of this market in recent years raises some questions as to whether such perceptions remain valid. One of the lessons of the last few years is that banks will expand SME lending on their own accord - in spite of the presence of important constraints - when they perceive the attractiveness of this market and have begun to saturate easier (in terms of business model) market segments such as corporate and consumer lending. However, in order to ensure the sustainable growth of this market, continued strong macroeconomic performance and a stable and consistent policy framework in the financial sector have been identified as important considerations. en
dc.language English
dc.language.iso en_US
dc.publisher Washington, DC
dc.rights CC BY 3.0 IGO
dc.rights.uri http://creativecommons.org/licenses/by/3.0/igo/
dc.subject BORROWER
dc.subject FINANCIAL ACCESS
dc.subject SALARIES
dc.subject CREDIT SCORING MODELS
dc.subject VALUABLE
dc.subject FINANCIAL ANALYSIS
dc.subject UNFAIR COMPETITION
dc.subject ACCESS TO FINANCE
dc.subject CONSUMER CREDIT
dc.subject INTEREST PAYMENTS
dc.subject WORKING CAPITAL
dc.subject LOAN PRODUCT
dc.subject DEPOSITOR
dc.subject LACK OF ACCESS
dc.subject FINANCIAL SECTOR REGULATIONS
dc.subject CREDIT GUARANTEES
dc.subject PAYMENT SERVICES
dc.subject SPECIAL SAVINGS
dc.subject GOVERNMENT ASSISTANCE
dc.subject BUSINESS ENTERPRISE
dc.subject TYPES OF LOANS
dc.subject PRIVATE CREDIT
dc.subject SMALL BANKS
dc.subject MAJOR BANKS
dc.subject CALCULATION
dc.subject INTERNATIONAL BANKS
dc.subject LARGE FIRMS
dc.subject CREDIT APPLICATIONS
dc.subject BUSINESS CREDIT
dc.subject LOAN DECISION
dc.subject TRAINING PROGRAMS
dc.subject FINANCIAL INTERMEDIARIES
dc.subject LOAN PROCESSING
dc.subject PROPERTY AS COLLATERAL
dc.subject FINANCIAL INSTITUTION
dc.subject CREDIT RECORDS
dc.subject FINANCIAL TRANSACTIONS
dc.subject TRANSACTION
dc.subject BANK INVOLVEMENT
dc.subject OVERDRAFT
dc.subject FINANCIAL SECTOR
dc.subject CAPITAL STRUCTURE
dc.subject TECHNICAL ASSISTANCE
dc.subject SMALL ENTERPRISE
dc.subject PROFITABILITY
dc.subject CONSUMER
dc.subject CAPITAL MARKETS
dc.subject SMALL LOANS
dc.subject CREDIT INSTITUTION
dc.subject ALTERNATIVE SOURCES OF FINANCING
dc.subject CHAMBERS OF COMMERCE
dc.subject SMALLER FIRMS
dc.subject CREDITWORTHINESS
dc.subject FINANCIAL INFORMATION
dc.subject DEPOSITS
dc.subject FINANCIAL CONSTRAINTS
dc.subject OUTREACH
dc.subject BANK LENDING
dc.subject QUESTIONNAIRES
dc.subject CREDIT PORTFOLIO
dc.subject FINANCIAL INSTRUMENTS
dc.subject LOAN APPROVAL
dc.subject CREDIT PRODUCTS
dc.subject STAKEHOLDER
dc.subject MULTINATIONAL
dc.subject FINANCING OBSTACLES
dc.subject CREDITORS
dc.subject CREDIT LINES
dc.subject AVAILABILITY OF CREDIT
dc.subject LEGAL FRAMEWORK
dc.subject LENDER
dc.subject MICRO ENTERPRISE
dc.subject CREDIT RATINGS
dc.subject BANKS
dc.subject MACROECONOMIC PERFORMANCE
dc.subject CS
dc.subject FINANCIAL STRUCTURE
dc.subject BANKING SYSTEM
dc.subject CONTRACT ENFORCEMENT
dc.subject LOAN PORTFOLIO
dc.subject BANKING SERVICES
dc.subject BANKRUPTCY
dc.subject LEGISLATION
dc.subject DURABLE GOODS
dc.subject ACCESS TO FINANCIAL SERVICES
dc.subject FINANCIAL PROVIDERS
dc.subject BUSINESS PLANS
dc.subject BORROWING
dc.subject INTEREST RATES
dc.subject WAREHOUSES
dc.subject CONTRIBUTION
dc.subject RESPONSIBILITIES
dc.subject ACCOUNTING
dc.subject BUSINESS ACTIVITIES
dc.subject LENDERS
dc.subject ACCOUNTS RECEIVABLE
dc.subject ENTREPRENEURIAL DEVELOPMENT
dc.subject CREDIT CARD
dc.subject BUSINESS DEVELOPMENT
dc.subject CREDIT ANALYSIS
dc.subject QUESTIONNAIRE
dc.subject OVERDUE DEBT
dc.subject INTEREST RATE CEILING
dc.subject SOCIAL SECURITY CONTRIBUTIONS
dc.subject INDEBTEDNESS
dc.subject ALTERNATIVE FINANCING
dc.subject RESERVE REQUIREMENTS
dc.subject PARTIAL CREDIT
dc.subject CURRENT INTEREST RATE
dc.subject CASH MANAGEMENT
dc.subject MONETARY POLICY
dc.subject LINES OF CREDIT
dc.subject FINANCIAL SECTOR POLICY
dc.subject SALE
dc.subject DEBTS
dc.subject FINANCIAL LITERACY
dc.subject CONSUMER LENDING
dc.subject FINANCIAL PENETRATION
dc.subject LOW-INCOME
dc.subject INFORMATION GAP
dc.subject COMMERCIAL BANK
dc.subject FOREIGN BANKS
dc.subject BALANCE SHEET
dc.subject SOURCE OF INFORMATION
dc.subject CREDIT MARKET
dc.subject CREDIT INFORMATION
dc.subject CREDIT REPORTS
dc.subject COMMERCIAL LOAN
dc.subject COLLATERAL
dc.subject CREDIT INSTITUTIONS
dc.subject ACCESS TO CREDIT
dc.subject SOCIAL SECURITY PAYMENT
dc.subject LIMITED ACCESS
dc.subject RELIANCE ON COLLATERAL
dc.subject INFORMATION TECHNOLOGY
dc.subject MICRO CREDIT
dc.subject PRIVATE BANKS
dc.subject COUNTRY COMPARISONS
dc.subject ENTREPRENEURIAL TRAINING
dc.subject LOAN SIZE
dc.subject STAKEHOLDERS
dc.subject LABOR FORCE
dc.subject LOAN PRODUCTS
dc.subject SOCIAL SECURITY
dc.subject DEPOSIT ACCOUNTS
dc.subject RISK ASSESSMENT
dc.subject RISK ASSESSMENTS
dc.subject BUSINESS CENTER
dc.subject EMPLOYMENT
dc.subject ECONOMIC GROWTH
dc.subject BANK DEPOSIT
dc.subject FAMILY BUSINESSES
dc.subject MATURITIES
dc.subject FACTORING
dc.subject MICRO-ENTERPRISE
dc.subject EXTERNAL FINANCE
dc.subject MICROCREDIT
dc.subject PAYMENT HISTORY
dc.subject INTEREST RATE CEILINGS
dc.subject RISK MANAGEMENT
dc.subject REPAYMENT
dc.subject ENTERPRISE ASSISTANCE
dc.subject CREDIT RISK
dc.subject TAXATION
dc.subject TRANSACTION COSTS
dc.subject ASSESSMENT PROCESS
dc.subject SAVINGS ACCOUNT
dc.subject DOMESTIC CREDIT
dc.subject CREDIT REPORTING
dc.subject BANK FINANCING
dc.subject COMMERCIAL FINANCE
dc.subject ACCEPTABLE COLLATERAL
dc.subject CREDITS
dc.subject FINANCIAL RESOURCES
dc.subject FINANCIAL MARKETS
dc.subject COLLATERAL REQUIREMENTS
dc.subject PUBLIC POLICY
dc.subject MARKET SHARES
dc.subject CREDIT BUREAUS
dc.subject FINANCIAL POLICY
dc.subject SUPPORT PROGRAMS
dc.subject BUSINESS ACTIVITY
dc.subject DEPOSITORS
dc.subject PROBABILITY
dc.subject LIABILITY
dc.subject LOAN
dc.subject LONG-TERM BORROWING
dc.subject TYPE OF LOAN
dc.subject CREDIT CARDS
dc.subject BUSINESS CENTERS
dc.subject INFORMAL ECONOMY
dc.subject WORTH
dc.subject BUSINESS STRATEGY
dc.subject ABSENCE OF CREDIT
dc.subject CONSUMER LOANS
dc.subject FINANCIAL INSTITUTIONS
dc.subject INFLATION
dc.subject MORTGAGES
dc.subject AGRICULTURAL SECTOR
dc.subject FINANCIAL SYSTEM
dc.subject DIVERSIFICATION
dc.subject MACROECONOMIC STABILITY
dc.subject TRADITIONAL BANKING
dc.subject BUSINESS PLAN
dc.subject CASH FLOW
dc.subject INTEREST RATE
dc.subject CREDIT MARKETS
dc.subject FINANCIAL INTERMEDIATION
dc.subject HOUSEHOLDS
dc.subject FINANCIAL PERFORMANCE
dc.subject PAYMENT BEHAVIOR
dc.subject BANK BRANCHES
dc.subject FOREIGN CURRENCY
dc.subject SUPPLY OF CREDIT
dc.subject FINANCE COMPANIES
dc.subject LOAN RECOVERY
dc.subject SALES
dc.subject CREDIT SCORING
dc.subject MICRO ENTERPRISES
dc.subject CREDIT BUREAU
dc.subject REAL ESTATE
dc.subject CREDITOR
dc.title Colombia : Bank Financing to Small- and Medium-Sized Enterprises (SMEs) in Colombia en
dc.title.alternative Colombia - Financiamiento bancario para las pequenas y medianas empresas (Pyme) en
dc.rights.holder World Bank


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