<?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>2248-6046</journal-id>
<journal-title><![CDATA[Revista Finanzas y Política Económica]]></journal-title>
<abbrev-journal-title><![CDATA[Finanz. polit. econ.]]></abbrev-journal-title>
<issn>2248-6046</issn>
<publisher>
<publisher-name><![CDATA[Universidad Católica de Colombia]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2248-60462021000200287</article-id>
<article-id pub-id-type="doi">10.14718/revfinanzpolitecon.v13.n2.2021.2</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Alcance de los créditos a tasa subsidiada para mipymes Argentinas]]></article-title>
<article-title xml:lang="en"><![CDATA[Analysis of Argentine SMEs Subsidized Credit Scope]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Corzo]]></surname>
<given-names><![CDATA[Lilia José]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Guercio]]></surname>
<given-names><![CDATA[María Belén]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Vigier]]></surname>
<given-names><![CDATA[Hernán Pedro]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Provincial del Sudoeste  ]]></institution>
<addr-line><![CDATA[Buenos Aires Bahía Blanca]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Instituto de Investigaciones Económicas y Sociales del Sur  Buenos Aires]]></institution>
<addr-line><![CDATA[ Bahía Blanca]]></addr-line>
<country>Argentina</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Provincial del Sudoeste  ]]></institution>
<addr-line><![CDATA[Buenos Aires ]]></addr-line>
<country>Argentina</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2021</year>
</pub-date>
<volume>13</volume>
<numero>2</numero>
<fpage>287</fpage>
<lpage>316</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S2248-60462021000200287&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S2248-60462021000200287&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S2248-60462021000200287&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El objetivo de este artículo es analizar el alcance de los créditos bancarios a tasa subsidiada para mipymes. Se estima un modelo Logit para examinar los determinantes de la demanda efectiva y potencial para empresas argentinas en 2017. Los principales resultados muestran que las empresas con necesidades insatisfechas de crédito bancario tradicional presentan una menor demanda efectiva y potencial. Además, se observa una relación positiva entre el tamaño de la empresa y la demanda efectiva. La demanda potencial, por su parte, es explicada por la forma jurídica, el acceso al crédito comercial, la educación del gerente y haber experimentado una pérdida de inversión por falta de crédito. Este estudio genera bases para rediseñar y mejorar el alcance de los programas de financiamiento para mipymes. JEL Classification: G28, H81.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The aim of this research is to analyze the scope of subsidized bank credit for SMEs. A Logit model that examines the determinants of effective and potential demand is estimated for Argentine SMEs in 2017. Our main results show that firms excluded from traditional bank credit in the past present a lower potential and effective demand for subsidized credits. Moreover, we find a positive relationship between firm/s size and effective demand. Besides, potential demand is explained by the legal status, the manager's level of education, access to trade credit and experienced a lost investment due to lack of credit. The novelty approach of this research lays knowledge to redesign the public financial support programs for SMEs and improve their scope.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[acceso al crédito]]></kwd>
<kwd lng="es"><![CDATA[Argentina]]></kwd>
<kwd lng="es"><![CDATA[créditos a tasa subsidiada]]></kwd>
<kwd lng="es"><![CDATA[demanda potencial]]></kwd>
<kwd lng="es"><![CDATA[mipyme]]></kwd>
<kwd lng="es"><![CDATA[políticas públicas]]></kwd>
<kwd lng="en"><![CDATA[subsidized credit]]></kwd>
<kwd lng="en"><![CDATA[access to credit]]></kwd>
<kwd lng="en"><![CDATA[public policy]]></kwd>
<kwd lng="en"><![CDATA[potential demand]]></kwd>
<kwd lng="en"><![CDATA[Argentine]]></kwd>
<kwd lng="en"><![CDATA[small and medium enterprises]]></kwd>
<kwd lng="en"><![CDATA[firm]]></kwd>
</kwd-group>
</article-meta>
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