<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0120-8160</journal-id>
<journal-title><![CDATA[Revista EAN]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. esc.adm.neg]]></abbrev-journal-title>
<issn>0120-8160</issn>
<publisher>
<publisher-name><![CDATA[Universidad EAN]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0120-81602018000200163</article-id>
<article-id pub-id-type="doi">10.21158/01208160.n85.2018.2056</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Estado del arte sobre problemáticas financieras en pymes: estudio para América Latina]]></article-title>
<article-title xml:lang="en"><![CDATA[State of the art on financial problems in pymes: a Latin American study]]></article-title>
<article-title xml:lang="fr"><![CDATA[Analyse des problématiques financières des PME: une étude pour l&#8217;Amérique latine]]></article-title>
<article-title xml:lang="pt"><![CDATA[Estado da arte sobre problemáticas financeiras em PMEs: estudo para a América Latina]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Laitón Ángel]]></surname>
<given-names><![CDATA[Sandra Yadira]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[López Lozano]]></surname>
<given-names><![CDATA[Juanita]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de La Salle  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad de La Salle  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2018</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2018</year>
</pub-date>
<numero>85</numero>
<fpage>163</fpage>
<lpage>179</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0120-81602018000200163&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0120-81602018000200163&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0120-81602018000200163&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen: El artículo presenta los resultados de la revisión bibliográfica realizada con el objetivo de identificar las principales problemáticas financieras que afrontan las pequeñas y medianas empresas de algunos países latinoamericanos. En este sentido, se llevó a cabo una investigación de tipo cualitativo con un alcance descriptivo, en la que a partir del análisis de la información encontrada en la literatura, se construyeron tres núcleos problemáticos: estructura de capital, acceso a la financiación y gestión de la planeación estratégica. Se evidenció que un gran porcentaje de estas pymes presentan similitudes en la forma en que administran sus recursos, la manera en la que toman las decisiones de financiación y los desafíos a los que se enfrentan a diario. Uno de los elementos que se consideró con detalle fue el nivel de educación del gerente de la compañía, dado que puede entenderse como un factor relevante a la hora de aprovechar las ventajas de las herramientas financieras y propiciar el crecimiento de las empresas.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract: This article describes the outcomes of a bibliographic revision made to identify the main financial problems that small and medium- size companies face in some Latin- American countries. For this reason, a qualitative descriptive research study is made, from which three problematic areas are defined: capital structure, financing access and strategic planning management. It was found that a high percentage of these pymes have similarities in the way they manage their resources, the way they make financial decisions and the daily problems they face. One of these issues is the educational level of the company chief executive because it turns to be the most relevant factor at the time of taking advantage from financial tools and allowing company growth.]]></p></abstract>
<abstract abstract-type="short" xml:lang="fr"><p><![CDATA[Résumé: L'article présente les résultats d'une analyse bibliographique réalisée dans le but d'identifier les principales problématiques financières rencontrées par les petites et moyennes entreprises dans certains pays d'Amérique latine. Une recherche qualitative à portée descriptive a alors été réalisée. L'analyse des informations recensées identifie trois types de problématiques: la structure du capital, l'accès au financement et la gestion de la planification stratégique. L'étude révèle qu'un fort pourcentage de PME présente des similitudes dans le mode de gestion des ressources financières, dans les prises les décisions de financement et dans les défis auxquels elles se trouvent confrontées au quotidien. Un éléments ayant été examiné avec attention se trouve être le niveau de formation du dirigeant de l'entreprise, facteur d'importance permettant de tirer au mieux parti des outils financiers et de promouvoir la croissance des entreprises.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo: O artigo apresenta os resultados da revisão bibliográfica realizada com o objetivo de identificar as principais problemáticas financeiras que enfrentam as pequenas e médias empresas de alguns países latino-americanos. Neste sentido, realizou-se uma pesquisa de tipo qualitativo com um alcance descritivo, na qual a partir da análise da informação encontrada na literatura, se construíram três núcleos problemáticos: estrutura de capital, acesso ao financiamento e gerenciamento do planejamento estratégico. Evidenciou-se que uma grande porcentagem destas PMEs apresenta semelhanças na forma em que administram seus recursos, na maneira como tomam as decisões de financiamento e nos desafios que enfrentam diariamente. Um dos elementos que se considerou com detalhe foi o nível de educação do gerente da companhia, dado que pode ser entendido como um fator relevante na hora de aproveitar as vantagens das ferramentas financeiras e propiciar o crescimento das empresas.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Pequeñas y medianas empresas - aspectos económicos]]></kwd>
<kwd lng="es"><![CDATA[planeación estratégica]]></kwd>
<kwd lng="es"><![CDATA[financiamiento de empresas]]></kwd>
<kwd lng="es"><![CDATA[administración de recursos]]></kwd>
<kwd lng="es"><![CDATA[estado del arte]]></kwd>
<kwd lng="es"><![CDATA[revisión de la literatura.]]></kwd>
<kwd lng="en"><![CDATA[Pymes- small and medium- size companies- economic aspects]]></kwd>
<kwd lng="en"><![CDATA[strategic planning]]></kwd>
<kwd lng="en"><![CDATA[company financing,resource management]]></kwd>
<kwd lng="en"><![CDATA[state of the art]]></kwd>
<kwd lng="en"><![CDATA[bibliographic revisión]]></kwd>
<kwd lng="fr"><![CDATA[Petites et moyennes entreprises - aspect économique]]></kwd>
<kwd lng="fr"><![CDATA[planification stratégique]]></kwd>
<kwd lng="fr"><![CDATA[financement des entreprises]]></kwd>
<kwd lng="fr"><![CDATA[gestion des ressources]]></kwd>
<kwd lng="fr"><![CDATA[analyse des sources d'informations]]></kwd>
<kwd lng="pt"><![CDATA[Pequenas e médias empresas - aspectos econômicos]]></kwd>
<kwd lng="pt"><![CDATA[planejamento estratégico]]></kwd>
<kwd lng="pt"><![CDATA[financiamento de empresas]]></kwd>
<kwd lng="pt"><![CDATA[administração de recursos]]></kwd>
<kwd lng="pt"><![CDATA[estado da arte]]></kwd>
<kwd lng="pt"><![CDATA[revisão da literatura]]></kwd>
</kwd-group>
</article-meta>
</front><back>
<ref-list>
<ref id="B1">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Abor]]></surname>
<given-names><![CDATA[J. Y.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Bank finance and export activities of Small and Medium Enterprises.]]></article-title>
<source><![CDATA[Review of Development Finance]]></source>
<year>2014</year>
<volume>4</volume>
<numero>2014</numero>
<issue>2014</issue>
<page-range>97-103</page-range></nlm-citation>
</ref>
<ref id="B2">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Alva]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La desaparición de las microempresas en el Perú. Una aproximación a los factores que predisponen a su mortalidad. Caso del Cercado de Lima.]]></article-title>
<source><![CDATA[Economía y Desarrollo]]></source>
<year>2017</year>
<volume>158</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>76-90</page-range></nlm-citation>
</ref>
<ref id="B3">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Arenas]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Rico]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La empresa familiar, el protocolo y la sucesión familiar]]></article-title>
<source><![CDATA[Estudios Gerenciales]]></source>
<year>2014</year>
<numero>30</numero>
<issue>30</issue>
<page-range>252-8</page-range></nlm-citation>
</ref>
<ref id="B4">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Arrieta]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Figueroa]]></surname>
<given-names><![CDATA[E. G.]]></given-names>
</name>
<name>
<surname><![CDATA[Luna]]></surname>
<given-names><![CDATA[J. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Rivera]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Meléndez]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Sotelo]]></surname>
<given-names><![CDATA[J. G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La planeación estratégica en la innovación y permanencia de las MIPYMES.]]></article-title>
<source><![CDATA[Revista Global de Negocios]]></source>
<year>2015</year>
<volume>3</volume>
<numero>5</numero>
<issue>5</issue>
<page-range>1-14</page-range></nlm-citation>
</ref>
<ref id="B5">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Avilés]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
</person-group>
<source><![CDATA[Las pymes el motor de la economía sin fuente de gasolina]]></source>
<year>2017</year>
</nlm-citation>
</ref>
<ref id="B6">
<nlm-citation citation-type="">
<collab>Banco Mundial</collab>
<source><![CDATA[Facilitating SME financing through improved Credit Reporting]]></source>
<year>2014</year>
</nlm-citation>
</ref>
<ref id="B7">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Becicova]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Is there a credit-gap in a periphery? The perception of this problem by small entrepreneurs.]]></article-title>
<source><![CDATA[Journal of rural studies]]></source>
<year>2015</year>
<numero>42</numero>
<issue>42</issue>
<page-range>11-20</page-range></nlm-citation>
</ref>
<ref id="B8">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Betancur]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Yepes]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Torres]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Riesgo de continuidad detectado a partir del análisis financiero en micro y pequeñas empresas de Medellín.]]></article-title>
<source><![CDATA[Adversia]]></source>
<year>2011</year>
<numero>9</numero>
<issue>9</issue>
<page-range>1-42</page-range></nlm-citation>
</ref>
<ref id="B9">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Blancas]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[López]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Integración tecnológica y financiera de pequeñas y medianas empresas: hacia una nueva política de industrialización en México.]]></article-title>
<source><![CDATA[Mexican Studies]]></source>
<year>2014</year>
<volume>30</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>522-56</page-range></nlm-citation>
</ref>
<ref id="B10">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Blasco]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Guaita. I.]]></surname>
<given-names><![CDATA[Postiguillo. D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Risk Factors for SMEs Involved in Electric Power Feneration: Fluctuations in the discount rate (WACC).]]></article-title>
<source><![CDATA[International journal of renewable energy research]]></source>
<year>2016</year>
<volume>6</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>680-6</page-range></nlm-citation>
</ref>
<ref id="B11">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Botello]]></surname>
<given-names><![CDATA[H. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Determinants of access to credit for SME: evidence at the level of the firm in Latin America.]]></article-title>
<source><![CDATA[Apuntes del CENES]]></source>
<year>2015</year>
<volume>34</volume>
<numero>60</numero>
<issue>60</issue>
<page-range>247-76</page-range></nlm-citation>
</ref>
<ref id="B12">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Brancati]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Innovation financing and the role of relationship lending for SMEs.]]></article-title>
<source><![CDATA[Small Bus Econ]]></source>
<year>2015</year>
<volume>44</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>449-73</page-range></nlm-citation>
</ref>
<ref id="B13">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Brenes]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Bermúdez]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Condiciones actuales del financiamiento de las mipymes costarricenses.]]></article-title>
<source><![CDATA[Tec. Empresarial]]></source>
<year>2013</year>
<volume>7</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>29-39</page-range></nlm-citation>
</ref>
<ref id="B14">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Briozzo]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Albanese]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Santolíquido]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Corporate governance, financing and gender: A study of SMEs from Argentinean Securities Markets.]]></article-title>
<source><![CDATA[Contaduría y administración]]></source>
<year>2017</year>
<volume>62</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>358-76</page-range></nlm-citation>
</ref>
<ref id="B15">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Briozzo]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Fernández]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Villar]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Pesce]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[El rol de la banca pública en el financiamiento a Pymes. Estudio comparativo para la Argentina y Brasil.]]></article-title>
<source><![CDATA[Revista Desarrollo y Sociedad]]></source>
<year>2016</year>
<volume>76</volume>
<numero>2016</numero>
<issue>2016</issue>
<page-range>205-41</page-range></nlm-citation>
</ref>
<ref id="B16">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Briozzo]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Vigier]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Castillo]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Pesce]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Speroni]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Decisiones de financiamiento en pymes: ¿Existen diferencias en función del tamaño y la forma legal?]]></article-title>
<source><![CDATA[Estudios Gerenciales]]></source>
<year>2016</year>
<volume>32</volume>
<numero>138</numero>
<issue>138</issue>
<page-range>71-81</page-range></nlm-citation>
</ref>
<ref id="B17">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Cabeza]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Muñoz]]></surname>
<given-names><![CDATA[A. E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Análisis del proceso de toma de decisiones, visión desde la pyme y la gran empresa de Barranquilla]]></article-title>
<source><![CDATA[Cuadernos Latinoamericanos de Administración]]></source>
<year>2010</year>
<volume>6</volume>
<numero>10</numero>
<issue>10</issue>
<page-range>9-39</page-range></nlm-citation>
</ref>
<ref id="B18">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Capa]]></surname>
<given-names><![CDATA[L. B.]]></given-names>
</name>
<name>
<surname><![CDATA[Capa]]></surname>
<given-names><![CDATA[X. R.]]></given-names>
</name>
<name>
<surname><![CDATA[Ollague]]></surname>
<given-names><![CDATA[J. K.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Estructura de capital en las pequeñas y medianas empresas bananeras de la provincia de El Oro.]]></article-title>
<source><![CDATA[Universidad y Sociedad]]></source>
<year>2018</year>
<volume>10</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>294-303</page-range></nlm-citation>
</ref>
<ref id="B19">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Castro]]></surname>
<given-names><![CDATA[J. A.]]></given-names>
</name>
</person-group>
<source><![CDATA[Diagnóstico administrativo y financiero de las micro, pequeñas y medianas empresas en Xicotepec de Juárez. Puebla. México D. F.: XX Congreso de contaduría administración e informática]]></source>
<year>2015</year>
</nlm-citation>
</ref>
<ref id="B20">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Córdova]]></surname>
<given-names><![CDATA[M. S.]]></given-names>
</name>
<name>
<surname><![CDATA[Montalvo]]></surname>
<given-names><![CDATA[C. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Bohórquez]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Alternativa de financiamiento para pequeñas y medianas empresas familiares del sector comercial de Máchala]]></article-title>
<source><![CDATA[Podium]]></source>
<year>2014</year>
<numero>26</numero>
<issue>26</issue>
<page-range>27-42</page-range></nlm-citation>
</ref>
<ref id="B21">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Chiatchoua]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[Castañeda]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Influencia de las mipymes en la generación de empleos en la región XI Texcoco, Estado de México (2000-2010)]]></article-title>
<source><![CDATA[Quivera]]></source>
<year>2015</year>
<volume>17</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>55-71</page-range></nlm-citation>
</ref>
<ref id="B22">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Dabla]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Deng]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Ivanova]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Karpowicz]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Unsal]]></surname>
<given-names><![CDATA[F.]]></given-names>
</name>
<name>
<surname><![CDATA[VanLeemput]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Wong]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Inclusión financiera: un enfoque centrado en América Latina]]></article-title>
<source><![CDATA[Centro de Estudios Monetarios Latinoamericanos]]></source>
<year>2015</year>
<volume>61</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>244-81</page-range></nlm-citation>
</ref>
<ref id="B23">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Daskalakis]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Eriotis]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Thanou]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Vasiliou]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Capital structure and size: new evidence across the broad spectrum of SME.]]></article-title>
<source><![CDATA[Managerial Finance]]></source>
<year>2014</year>
<volume>40</volume>
<numero>12</numero>
<issue>12</issue>
<page-range>1207-22</page-range></nlm-citation>
</ref>
<ref id="B24">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Domeher]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Musah]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Hassan]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Intersectorial Differences in the SME Financing Gap: Evidence from Selected Sectors in Ghana.]]></article-title>
<source><![CDATA[Journal of African Business]]></source>
<year>2017</year>
<volume>18</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>194-220</page-range></nlm-citation>
</ref>
<ref id="B25">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Duarte]]></surname>
<given-names><![CDATA[L. G.]]></given-names>
</name>
<name>
<surname><![CDATA[Pastrana]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Rosado]]></surname>
<given-names><![CDATA[Y. L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La estructura financiera de las pymes en Yucatán de acuerdo a su antigüedad, tamaño y sector de actividad]]></article-title>
<source><![CDATA[Red Internacional de Investigadores en Competitividad Memoria del IX Congreso]]></source>
<year>2015</year>
<page-range>2248-65</page-range></nlm-citation>
</ref>
<ref id="B26">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Duréndez]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Rocca]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Factores determinantes que explican el acceso a la financiación bancaria: un estudio empírico en empresas peruanas.]]></article-title>
<source><![CDATA[Small Business International Review]]></source>
<year>2017</year>
<volume>1</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>11-34</page-range></nlm-citation>
</ref>
<ref id="B27">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Espejo]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Robles]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Higuerey]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Apalancamiento financiero en las empresas manufactureras de Ecuador]]></article-title>
<source><![CDATA[Revista Publicando]]></source>
<year>2017</year>
<volume>4</volume>
<numero>13</numero>
<issue>13</issue>
<page-range>241-54</page-range></nlm-citation>
</ref>
<ref id="B28">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Figueroa]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<source><![CDATA[Estudio de identificación y caracterización de brechas para el mejoramiento de la competitividad de la empresa pymes de Atacama en relación a la cartera de inversión de la región]]></source>
<year>2014</year>
</nlm-citation>
</ref>
<ref id="B29">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[García]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Gálvez]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Maldonado]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Efecto de la innovación en el crecimiento y el desempeño de las mipymes de la Alianza del Pacífico]]></article-title>
<source><![CDATA[Estudios gerenciales]]></source>
<year>2016</year>
<numero>33</numero>
<issue>33</issue>
<page-range>326-35</page-range></nlm-citation>
</ref>
<ref id="B30">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Guercio]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Martínez]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[Vigier]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Las limitaciones al financiamiento bancário de las Pymes de alta tecnología]]></article-title>
<source><![CDATA[Estudios Gerenciales]]></source>
<year>2017</year>
<volume>33</volume>
<numero>2017</numero>
<issue>2017</issue>
<page-range>3-12</page-range></nlm-citation>
</ref>
<ref id="B31">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Gutiérrez]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Aguayo]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Panes]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Estructura de financiamiento de las empresas chilenas aplicación del modelo de jerarquía]]></article-title>
<source><![CDATA[Horizontes Empresariales]]></source>
<year>2014</year>
<numero>1</numero>
<issue>1</issue>
<page-range>7-19</page-range></nlm-citation>
</ref>
<ref id="B32">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Jinjarak]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Wingnaraja]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[An Empirical Assessment of the Export-Financial Constraint Relationship: How Different are Small and Medium Enterprises?]]></article-title>
<source><![CDATA[World development]]></source>
<year>2016</year>
<numero>79</numero>
<issue>79</issue>
<page-range>142-63</page-range></nlm-citation>
</ref>
<ref id="B33">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kantis]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
<name>
<surname><![CDATA[Federico]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Angelelli]]></surname>
<given-names><![CDATA[P.]]></given-names>
</name>
<name>
<surname><![CDATA[Ibarra]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Business Performance in Young Latin American Firms]]></article-title>
<person-group person-group-type="editor">
<name>
<surname><![CDATA[Grazzi]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Pietrobelli]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<source><![CDATA[Firm Innovation and Productivity in Latin America and the Caribbean]]></source>
<year>2016</year>
<page-range>167-207</page-range><publisher-loc><![CDATA[New York, USA ]]></publisher-loc>
<publisher-name><![CDATA[Palgrave Macmillan]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B34">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Kraus]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Litzenberger]]></surname>
<given-names><![CDATA[R. H.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[A State-Preference Model of Optimal Financial Leverage.]]></article-title>
<source><![CDATA[Journal of Finance]]></source>
<year>1973</year>
<volume>28</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>911-22</page-range></nlm-citation>
</ref>
<ref id="B35">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lardon]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Deloof]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Financial disclosure by SMEs listed on a semi-regulated market: evidence from the Euronext Free Market.]]></article-title>
<source><![CDATA[Financial disclosure by SME]]></source>
<year>2014</year>
<numero>42</numero>
<issue>42</issue>
<page-range>361-85</page-range></nlm-citation>
</ref>
<ref id="B36">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Lecuona]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Algunas lecciones de la experiencia reciente de financiamiento a las pymes Colombia, Costa Rica y México.]]></article-title>
<source><![CDATA[CEPAL - Serie Financiamiento para el Desarrollo]]></source>
<year>2014</year>
<numero>253</numero>
<issue>253</issue>
<page-range>2-37</page-range></nlm-citation>
</ref>
<ref id="B37">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[López]]></surname>
<given-names><![CDATA[G. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Maldonado]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Pinzón]]></surname>
<given-names><![CDATA[S. Y.]]></given-names>
</name>
<name>
<surname><![CDATA[García]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Colaboración y actividades de innovación en Pymes]]></article-title>
<source><![CDATA[Contaduría y Administración]]></source>
<year>2016</year>
<numero>61</numero>
<issue>61</issue>
<page-range>56-8</page-range></nlm-citation>
</ref>
<ref id="B38">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Macan Bhairda]]></surname>
<given-names><![CDATA[B. L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Culture's influences: An investigation of inter-country differences in capital structure.]]></article-title>
<source><![CDATA[Borsa Istanbul Review]]></source>
<year>2014</year>
<numero>14</numero>
<issue>14</issue>
<page-range>1-9</page-range></nlm-citation>
</ref>
<ref id="B39">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Masilo]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Aguirre]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Estudio de revisión sobre la planeación financiera y propuesta de modelo empírico para pymes de México.]]></article-title>
<source><![CDATA[Revista CIMEXUS]]></source>
<year>2016</year>
<volume>11</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>73-105</page-range></nlm-citation>
</ref>
<ref id="B40">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[McGuinness]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Hogan]]></surname>
<given-names><![CDATA[T.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Bank credit and trade credit: Evidence from SME over the financial crisis.]]></article-title>
<source><![CDATA[International Small Business Journal]]></source>
<year>2016</year>
<volume>34</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>412-45</page-range></nlm-citation>
</ref>
<ref id="B41">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Melgarejo]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
<name>
<surname><![CDATA[Vera]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Mora]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Diferencias de desempeño empresarial de pequeñas y medianas empresas clasificadas según la estructura de la propiedad del capital, caso colombiano.]]></article-title>
<source><![CDATA[Suma de negocios]]></source>
<year>2014</year>
<volume>5</volume>
<numero>12</numero>
<issue>12</issue>
<page-range>76-84</page-range></nlm-citation>
</ref>
<ref id="B42">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Molina]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[López]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Schimtt]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Factores que influyen en los problemas del emprendimiento de las mipymes: una percepción de los expertos.]]></article-title>
<source><![CDATA[Revista Internacional Administración y Finanzas]]></source>
<year>2016</year>
<volume>9</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>95-113</page-range></nlm-citation>
</ref>
<ref id="B43">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Mora]]></surname>
<given-names><![CDATA[E. H.]]></given-names>
</name>
<name>
<surname><![CDATA[Vera]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Melgarejo]]></surname>
<given-names><![CDATA[Z. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Planificación estratégica y niveles de competitividad de las mipymes del sector comercio en Bogotá]]></article-title>
<source><![CDATA[Estudios gerenciales]]></source>
<year>2015</year>
<numero>31</numero>
<issue>31</issue>
<page-range>79-87</page-range></nlm-citation>
</ref>
<ref id="B44">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Mora]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
<name>
<surname><![CDATA[Castillo]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Evolución de las principales variables de acceso de las pymes al microcrédito en Colombia, 2002-mayo 2014]]></article-title>
<source><![CDATA[Magazín Empresarial]]></source>
<year>2014</year>
<volume>10</volume>
<numero>24</numero>
<issue>24</issue>
<page-range>55-63</page-range></nlm-citation>
</ref>
<ref id="B45">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Motta]]></surname>
<given-names><![CDATA[V.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Are SMEs in the hospitality industry less likely to experience credit constraint than other industries in the service sector? Evidence from Latin America.]]></article-title>
<source><![CDATA[Tourism Economics]]></source>
<year>2017</year>
<page-range>1-21</page-range></nlm-citation>
</ref>
<ref id="B46">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Mousiolis]]></surname>
<given-names><![CDATA[D. T.]]></given-names>
</name>
<name>
<surname><![CDATA[Zaridisb]]></surname>
<given-names><![CDATA[A. D.]]></given-names>
</name>
<name>
<surname><![CDATA[Karamanisc]]></surname>
<given-names><![CDATA[K.]]></given-names>
</name>
<name>
<surname><![CDATA[Rontogiannid]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Corporate Social Responsibility in SME and MNE. The Different Strategic Decision Making.]]></article-title>
<source><![CDATA[Procedia - Social and Behavioral Sciences]]></source>
<year>2014</year>
<numero>175</numero>
<issue>175</issue>
<page-range>579-83</page-range></nlm-citation>
</ref>
<ref id="B47">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Myers]]></surname>
<given-names><![CDATA[S. C.]]></given-names>
</name>
<name>
<surname><![CDATA[Majluf]]></surname>
<given-names><![CDATA[N. S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Corporate financing and investment decisions when firms have information that investors do not have]]></article-title>
<source><![CDATA[Journal of Financial Economics]]></source>
<year>1984</year>
<volume>13</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>187-221</page-range></nlm-citation>
</ref>
<ref id="B48">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Nelling]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Webb]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Corporate social responsibility and financial performance: the "virtuous circle" revisted.]]></article-title>
<source><![CDATA[Review of Quantitative finance and accounting]]></source>
<year>2006</year>
<volume>32</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>197-209</page-range></nlm-citation>
</ref>
<ref id="B49">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Nikaido]]></surname>
<given-names><![CDATA[Y.]]></given-names>
</name>
<name>
<surname><![CDATA[Pais]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Sarma]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[What Hinders and what enhances small enterprises access to formal credit in india?]]></article-title>
<source><![CDATA[Review of Development Finance]]></source>
<year>2015</year>
<numero>5</numero>
<issue>5</issue>
<page-range>43-52</page-range></nlm-citation>
</ref>
<ref id="B50">
<nlm-citation citation-type="">
<collab>OECD</collab>
<source><![CDATA[New Approaches to SME and Entrepreneurship Financing: Broadening the Range of Instruments]]></source>
<year>2015</year>
</nlm-citation>
</ref>
<ref id="B51">
<nlm-citation citation-type="book">
<collab>OCDE</collab>
<collab>ECLAC</collab>
<source><![CDATA[Perspectivas económicas para América Latina 2013. Políticas de pymes para el cambio estructural]]></source>
<year>2012</year>
<publisher-name><![CDATA[OECD Publishing]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B52">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Osano]]></surname>
<given-names><![CDATA[H. M.]]></given-names>
</name>
<name>
<surname><![CDATA[Languitone]]></surname>
<given-names><![CDATA[H.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Factors influencing access to finance by SMEs in Mozambique: case of SMEs in Maputo central business district]]></article-title>
<source><![CDATA[Journal of Innovation and Entrepreneurship]]></source>
<year>2016</year>
</nlm-citation>
</ref>
<ref id="B53">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Pacheco]]></surname>
<given-names><![CDATA[F. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Borda]]></surname>
<given-names><![CDATA[L.M.]]></given-names>
</name>
<name>
<surname><![CDATA[Molina]]></surname>
<given-names><![CDATA[E.A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Caracterización socioeconómica para la gestión de las finanzas en pymes de Tunja, Boyacá]]></article-title>
<source><![CDATA[Vestigium Ire]]></source>
<year>2016</year>
<volume>10</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>147-65</page-range></nlm-citation>
</ref>
<ref id="B54">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Pavón]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Inclusión financiera de las pymes en el Ecuador y México.]]></article-title>
<source><![CDATA[CEPAL - Serie Financiamiento para el Desarrollo]]></source>
<year>2016</year>
<numero>262</numero>
<issue>262</issue>
<page-range>1-82</page-range></nlm-citation>
</ref>
<ref id="B55">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Pesce]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Esandi]]></surname>
<given-names><![CDATA[J. I.]]></given-names>
</name>
<name>
<surname><![CDATA[Briozzo]]></surname>
<given-names><![CDATA[A. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Vigier]]></surname>
<given-names><![CDATA[H. P.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Decisiones de financiamiento en pymes: particularidades derivadas del entrelazamiento empresa-propietario]]></article-title>
<source><![CDATA[REGE- Revista de Gestão]]></source>
<year>2015</year>
<volume>22</volume>
<numero>3</numero>
<issue>3</issue>
<page-range>357-80</page-range></nlm-citation>
</ref>
<ref id="B56">
<nlm-citation citation-type="confpro">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Prohorovs]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
<name>
<surname><![CDATA[Jakusonoka]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
<name>
<surname><![CDATA[Beizitere]]></surname>
<given-names><![CDATA[I.]]></given-names>
</name>
</person-group>
<source><![CDATA[Is venture capital the source of financing for micro-enterprises?]]></source>
<year>2015</year>
<conf-name><![CDATA[ International Conference Economic science for rural development]]></conf-name>
<conf-date>2015</conf-date>
<conf-loc> </conf-loc>
<page-range>39</page-range></nlm-citation>
</ref>
<ref id="B57">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Quijano]]></surname>
<given-names><![CDATA[R. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Arguelles]]></surname>
<given-names><![CDATA[L. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Magaña]]></surname>
<given-names><![CDATA[D. E.]]></given-names>
</name>
<name>
<surname><![CDATA[Alcocer]]></surname>
<given-names><![CDATA[F. R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Diseño de estrategias y financiamiento en empresas familiares del sector camaronero de Altura de Campeche, México.]]></article-title>
<source><![CDATA[Revista Global de Negocios]]></source>
<year>2016</year>
<volume>4</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>19-32</page-range></nlm-citation>
</ref>
<ref id="B58">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Quijano]]></surname>
<given-names><![CDATA[R. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Arguelles]]></surname>
<given-names><![CDATA[L. A.]]></given-names>
</name>
<name>
<surname><![CDATA[Saui]]></surname>
<given-names><![CDATA[J. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Planeación estratégica y el control interno como promotores de rentabilidad en mipymes del sector turístico de la Ciudad de Campeche, México.]]></article-title>
<source><![CDATA[Revista Iberoamericana para la Investigación y el Desarrollo Educativo]]></source>
<year>2015</year>
<numero>10</numero>
<issue>10</issue>
</nlm-citation>
</ref>
<ref id="B59">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rangel]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Aguilera]]></surname>
<given-names><![CDATA[L.]]></given-names>
</name>
<name>
<surname><![CDATA[González]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La innovación y el capital intelectual: factores de competitividad en la pyme manufacturera]]></article-title>
<source><![CDATA[Revistas Científicas]]></source>
<year>2013</year>
<volume>14</volume>
<numero>2</numero>
<issue>2</issue>
<page-range>151-68</page-range></nlm-citation>
</ref>
<ref id="B60">
<nlm-citation citation-type="book">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Raufflet]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[Lozano]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Barrera]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
<name>
<surname><![CDATA[García]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
</person-group>
<source><![CDATA[Responsabilidad Social Empresarial]]></source>
<year>2012</year>
<publisher-loc><![CDATA[Naucalpan de Juárez, México ]]></publisher-loc>
<publisher-name><![CDATA[Pearson Educación]]></publisher-name>
</nlm-citation>
</ref>
<ref id="B61">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rehman]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Innovation performance of Chilean firms, a bivariate probit analysis.]]></article-title>
<source><![CDATA[Journal of Entrepreneurship in Emerging Economies]]></source>
<year>2016</year>
<numero>8</numero>
<issue>8</issue>
<page-range>1-24</page-range></nlm-citation>
</ref>
<ref id="B62">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Restrepo]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Vanegas]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Internacionalización de las pymes: análisis de recursos y capacidades internas mediante lógica difusa]]></article-title>
<source><![CDATA[Contaduría y administración]]></source>
<year>2015</year>
<numero>50</numero>
<issue>50</issue>
<page-range>836-63</page-range></nlm-citation>
</ref>
<ref id="B63">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Rossi]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Lombardi]]></surname>
<given-names><![CDATA[R.]]></given-names>
</name>
<name>
<surname><![CDATA[Oliva]]></surname>
<given-names><![CDATA[N.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[The impact of corporate characteristics on the financial decisions of companies: evidence on funding decisions by Italian SMEs]]></article-title>
<source><![CDATA[Journal of Innovation and Entrepreneurship]]></source>
<year>2016</year>
</nlm-citation>
</ref>
<ref id="B64">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Ruiz]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Fuentes y mecanismos de financiación en las pymes de Villavicencio Colombia]]></article-title>
<source><![CDATA[Revista Global de Negocios]]></source>
<year>2015</year>
<numero>3</numero>
<issue>3</issue>
<page-range>93-110</page-range></nlm-citation>
</ref>
<ref id="B65">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Saavedra]]></surname>
<given-names><![CDATA[M. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Tapia]]></surname>
<given-names><![CDATA[B.]]></given-names>
</name>
<name>
<surname><![CDATA[Aguilar]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La gestión financiera en las pymes del Distrito Federal, México.]]></article-title>
<source><![CDATA[Perspectiva Empresarial]]></source>
<year>2016</year>
<numero>3</numero>
<issue>3</issue>
<page-range>55-69</page-range></nlm-citation>
</ref>
<ref id="B66">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Saavedra]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Espíndola]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[El uso de la planeación financiera en las pyme de TI de México.]]></article-title>
<source><![CDATA[Ciencias Administrativas]]></source>
<year>2016</year>
<page-range>15-31</page-range></nlm-citation>
</ref>
<ref id="B67">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Saavedra]]></surname>
<given-names><![CDATA[M. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Leticia]]></surname>
<given-names><![CDATA[M. A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Alternativas de financiamiento para la micro, pequeña y mediana empresa latinoamericana]]></article-title>
<source><![CDATA[Revista Universitaria Ruta]]></source>
<year>2014</year>
<numero>2</numero>
<issue>2</issue>
</nlm-citation>
</ref>
<ref id="B68">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Saavedra]]></surname>
<given-names><![CDATA[M. L.]]></given-names>
</name>
<name>
<surname><![CDATA[Tapia]]></surname>
<given-names><![CDATA[A.R.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[La problemática del financiamiento de la pyme en México: el caso de las sociedades financieras populares.]]></article-title>
<source><![CDATA[Revista Visión Contable]]></source>
<year>2013</year>
<numero>11</numero>
<issue>11</issue>
<page-range>79-131</page-range></nlm-citation>
</ref>
<ref id="B69">
<nlm-citation citation-type="">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Saldaña]]></surname>
<given-names><![CDATA[C.]]></given-names>
</name>
<name>
<surname><![CDATA[García]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Torres]]></surname>
<given-names><![CDATA[G.]]></given-names>
</name>
<name>
<surname><![CDATA[Becerra]]></surname>
<given-names><![CDATA[J.]]></given-names>
</name>
<name>
<surname><![CDATA[Martínez]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Muñoz]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Diagnóstico para el desarrollo de una metodología en la toma de decisiones financieras para la micro y pequeña industria del estado de Tlaxcala]]></article-title>
<source><![CDATA[Ciencias Administrativas y Sociales, Handbook]]></source>
<year>2014</year>
<page-range>341-52</page-range></nlm-citation>
</ref>
<ref id="B70">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Solano]]></surname>
<given-names><![CDATA[O.]]></given-names>
</name>
<name>
<surname><![CDATA[Riascos]]></surname>
<given-names><![CDATA[S.]]></given-names>
</name>
<name>
<surname><![CDATA[Aguilera]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Determinantes de los planes estratégicos de los sistemas de información en las pymes colombianas: caso Santiago de Cali, Colombia.]]></article-title>
<source><![CDATA[Entramado]]></source>
<year>2013</year>
<volume>9</volume>
<numero>1</numero>
<issue>1</issue>
<page-range>26-37</page-range></nlm-citation>
</ref>
<ref id="B71">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Vera]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<name>
<surname><![CDATA[Melgarejo]]></surname>
<given-names><![CDATA[Z.]]></given-names>
</name>
<name>
<surname><![CDATA[Mora]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Acceso a la financiación en pymes colombianas: una mirada desde sus indicadores financieros.]]></article-title>
<source><![CDATA[Revista innovar]]></source>
<year>2014</year>
<numero>24</numero>
<issue>24</issue>
<page-range>148-60</page-range></nlm-citation>
</ref>
<ref id="B72">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Xiang]]></surname>
<given-names><![CDATA[D.]]></given-names>
</name>
<name>
<surname><![CDATA[Worthington]]></surname>
<given-names><![CDATA[A.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Finance-seeking behaviour and outcomes for small- and medium-sized enterprises.]]></article-title>
<source><![CDATA[International Journal of Managerial Finance]]></source>
<year>2015</year>
<volume>11</volume>
<numero>4</numero>
<issue>4</issue>
<page-range>513-30</page-range></nlm-citation>
</ref>
<ref id="B73">
<nlm-citation citation-type="journal">
<person-group person-group-type="author">
<name>
<surname><![CDATA[Zevallos]]></surname>
<given-names><![CDATA[E.]]></given-names>
</name>
</person-group>
<article-title xml:lang=""><![CDATA[Micro, pequeñas y medianas empresas en América Latina.]]></article-title>
<source><![CDATA[Revista de la CEPAL]]></source>
<year>2003</year>
<numero>79</numero>
<issue>79</issue>
<page-range>53-70</page-range></nlm-citation>
</ref>
</ref-list>
</back>
</article>
