<?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>1692-8563</journal-id>
<journal-title><![CDATA[Dimensión Empresarial]]></journal-title>
<abbrev-journal-title><![CDATA[Dimens.empres.]]></abbrev-journal-title>
<issn>1692-8563</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma del Caribe, Facultad de Ciencias Administrativas, económicas y Contables]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1692-85632019000200005</article-id>
<article-id pub-id-type="doi">10.15665/dem.v17i2.1933</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[IMPACTO DE LAS MICROFINANZAS EN LA MICROEMPRESA LOCAL]]></article-title>
<article-title xml:lang="en"><![CDATA[IMPACT OF MICROFINANCE ON THE LOCAL MICROBUSINESS]]></article-title>
<article-title xml:lang="pt"><![CDATA[IMPACTO DA MICROFINANÇA NA MICROEMPRESA LOCAL]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Sanhueza]]></surname>
<given-names><![CDATA[Paulina]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de La Frontera  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Chile</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2019</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2019</year>
</pub-date>
<volume>17</volume>
<numero>2</numero>
<fpage>5</fpage>
<lpage>19</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S1692-85632019000200005&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S1692-85632019000200005&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S1692-85632019000200005&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Las microfinanzas nacen con un claro objetivo de lucha contra la pobreza, pero actualmente atienden a pequeños empresarios, no necesariamente pobres, con dificultad de acceso o excluidos financieramente. Diversos estudios han intentado medir el impacto de los programas microfinancieros, sugiriendo que ellos podrían ser un instrumento efectivo de desarrollo local, sin embargo, es necesario continuar investigando en esta línea. El trabajo tiene como objetivo evaluar el impacto de un programa microfinanciero que entrega microcrédito, sobre los ingresos de microempresarios de la Región de La Araucanía en Chile. Se realiza un estudio no experimental, transversal con grupo control a través del método de matched comparison, usando la técnica propensity score. Los resultados sugieren la existencia de una asociación plausible entre participar en un programa microfinanciero y mayores ingresos en microempresarios locales.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Microfinance programs were born with the specific objective of reducing poverty, currently they attend to small entrepreneurs who have limited access to traditional finance but are not necessarily poor. The objective of this work is to evaluate the impact of a microfinance program that provides microcredit on the income of microentrepreneurs in the Araucanía Region in Chile. A non-experimental, cross-sectional study with a control group was carried out using the matched comparison method, using the propensity score technique. The results suggest the existence of a plausible association between participating in a microfinance program and higher incomes in local microentrepreneurs.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo As microfinanças nasçam com um claro objetivo de combater a pobreza, servindo atualmente pequenos empreendedores, não necessariamente pobres, com dificuldade de acesso ao financiamento tradicional. O objetivo deste trabalho é avaliar o impacto de um programa de microfinanças que oferece microcrédito aos rendimentos de microempresários na Região de Araucanía, no Chile. Um estudo transversal não experimental, com um grupo controle, foi realizado utilizando o método de matched comparison, utilizando a técnica de escore de propensity score. Os resultados sugerem a existência de uma associação plausível entre a participação em um programa de microfinanças e maiores rendimentos em microempresários locais.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Microfinanzas]]></kwd>
<kwd lng="es"><![CDATA[desarrollo local]]></kwd>
<kwd lng="es"><![CDATA[microcréditos]]></kwd>
<kwd lng="es"><![CDATA[microempresas]]></kwd>
<kwd lng="es"><![CDATA[evaluación de impacto]]></kwd>
<kwd lng="en"><![CDATA[Microfinance]]></kwd>
<kwd lng="en"><![CDATA[local development]]></kwd>
<kwd lng="en"><![CDATA[microcredit]]></kwd>
<kwd lng="en"><![CDATA[microenterprises]]></kwd>
<kwd lng="en"><![CDATA[impact assessment]]></kwd>
<kwd lng="pt"><![CDATA[Microfinanças]]></kwd>
<kwd lng="pt"><![CDATA[desenvolvimento local]]></kwd>
<kwd lng="pt"><![CDATA[microcréditos]]></kwd>
<kwd lng="pt"><![CDATA[microempresas]]></kwd>
<kwd lng="pt"><![CDATA[avaliação de impacto]]></kwd>
</kwd-group>
</article-meta>
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