Abstract
The propose o this research is to identify the determining factors that lead micro, small and medium enterprises - MSME to take credits drop by drop. An investigation is carried out with quantitative methodology, of exploratory type; primary data is collected, processed and analyzed; the instrument for collecting information to use is the survey; it works with a probabilistic sample, the type of sampling is simple random. The data collection instrument is applied to a sample of 385 managers of Mipyme of Bogota DC - Colombia. As main findings, it is identified that the determinants that lead to the taking of this type of credit are associated on the one hand with characteristics of the business units in terms of company size and level of education of the manager, and on the other hand associated to the perception of the manager regarding the approval of the credit (disbursement agility, no paperwork and offer at hand). DOI: http://dx.doi.org/10.21017/Rev.Repub.2020.v28.a84
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