HIGHLIGHTS
SUMMARY
Small enterprises play a fundamental role in economic dynamization worldwide by ensuring sustainable growth, job creation, and the reduction of income inequality and poverty. In Latin America and the Caribbean, the primary sources of financing are informal circuits (family, friends, neighbors) and formal circuits (banks, cooperatives, and others), whose conditions regarding time, interest rates, and qualification requirements for accessing credit are challenging to meet for self-employed or small business managers. In recent years, several countries have conducted studies by using different research approaches related to the investment and financing decisions of small firms . . .
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