CHILE: Crear y sostener el empleo mediante un Maridaje de Asistencia Técnica e Inclusión Financiera.

Abstract

In Chile, as in other countries of the world, in their productive structure they own micro, small and medium enterprises (MSMEs), which together represent the majority of the productive apparatus and generate the majority of jobs. Contrast, its contribution to the national product is considerably smaller - than that of the large companies - because of its low productivity and the difficulties of access to credit. To change this situation, many countries have for decades implemented policies to improve the productivity of MSMEs, with disappointing results due, on the one hand, to the fact that technical support activities have been dispersed and far removed from the specific requirements of Productive units and the territorial conditions in which they operate; And, on the other, because the structural root of the productive credit shortage has not been attacked: financial exclusion. This scientific paper highlights the need to combine targeted technical assistance and financial inclusion as an effective policy for MSMEs, and although recently implemented, the 35 Business Development Centers (BDC) that are already operating constitute a successful experience, because of 9,000 MSMEs served close to 1,000 have obtained financing.