{"id":24745,"date":"2025-03-11T12:34:28","date_gmt":"2025-03-11T17:34:28","guid":{"rendered":"https:\/\/www.producempresarial.pe\/?p=24745"},"modified":"2025-03-11T12:40:23","modified_gmt":"2025-03-11T17:40:23","slug":"estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024","status":"publish","type":"post","link":"https:\/\/www.producempresarial.pe\/en\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/","title":{"rendered":"Status of Financial Inclusion of MSMEs \u2013 December 2024"},"content":{"rendered":"<p>In 2024, outstanding loan balances totaled 213.1 billion soles, representing a 5.8% decrease compared to 2023 (226.2 billion soles). This downward trend was also reflected in loan disbursements, with declines observed in microenterprises (-18%), small enterprises (-2.3%), and large enterprises (-1.2%), while medium-sized enterprises saw an increase of 31.6%. In 2024, loans granted to the fishing sector amounted to 1.254 billion soles. Additionally, between 2019 and 2024, credit to companies in the fishing sector grew at an average annual rate of 12.7%.<\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Reporte-de-Factoring-DIC-2024.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 268-Reporte-de-Factoring-DIC-2024.\"><\/object><a id=\"wp-block-file--media-4bb75350-910d-4a04-bf06-60139350aad7\" href=\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Reporte-de-Factoring-DIC-2024.pdf\">268-Reporte-de-Factoring-DIC-2024<\/a><a href=\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Reporte-de-Factoring-DIC-2024.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-4bb75350-910d-4a04-bf06-60139350aad7\">Download PDF<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>En el 2024, se registr\u00f3 que los saldos de cr\u00e9ditos otorgados, fueron 213,121 millones de soles, lo que represent\u00f3 una reducci\u00f3n de 5.8%, con respecto al 2023 (226,241 millones de soles). Asimismo, esta tendencia se present\u00f3 en los cr\u00e9ditos colocados, debido a la reducci\u00f3n en la microempresa (-18%),peque\u00f1a empresa (-2.3%), mediana empresa (31.6%) y gran &#8230; <a title=\"Status of Financial Inclusion of MSMEs \u2013 December 2024\" class=\"read-more\" href=\"https:\/\/www.producempresarial.pe\/en\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/\" aria-label=\"Read more about Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":24747,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[232,287],"tags":[],"class_list":["post-24745","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiamiento-om","category-financiamiento-publicaciones-reportes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024 - Observatorio PRODUCEmpresarial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.producempresarial.pe\/en\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024 - Observatorio PRODUCEmpresarial\" \/>\n<meta property=\"og:description\" content=\"En el 2024, se registr\u00f3 que los saldos de cr\u00e9ditos otorgados, fueron 213,121 millones de soles, lo que represent\u00f3 una reducci\u00f3n de 5.8%, con respecto al 2023 (226,241 millones de soles). Asimismo, esta tendencia se present\u00f3 en los cr\u00e9ditos colocados, debido a la reducci\u00f3n en la microempresa (-18%),peque\u00f1a empresa (-2.3%), mediana empresa (31.6%) y gran ... Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.producempresarial.pe\/en\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/\" \/>\n<meta property=\"og:site_name\" content=\"Observatorio PRODUCEmpresarial\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-11T17:34:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-11T17:40:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"690\" \/>\n\t<meta property=\"og:image:height\" content=\"390\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written por\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.producempresarial.pe\/#\/schema\/person\/6e13e1f2f8fc108ce3789cbdb23a5d21\"},\"headline\":\"Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024\",\"datePublished\":\"2025-03-11T17:34:28+00:00\",\"dateModified\":\"2025-03-11T17:40:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/\"},\"wordCount\":109,\"publisher\":{\"@id\":\"https:\/\/www.producempresarial.pe\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg\",\"articleSection\":[\"Financiamiento\",\"Reportes Coyunturales\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/\",\"url\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/\",\"name\":\"Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024 - Observatorio PRODUCEmpresarial\",\"isPartOf\":{\"@id\":\"https:\/\/www.producempresarial.pe\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg\",\"datePublished\":\"2025-03-11T17:34:28+00:00\",\"dateModified\":\"2025-03-11T17:40:23+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#primaryimage\",\"url\":\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg\",\"contentUrl\":\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg\",\"width\":690,\"height\":390},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.producempresarial.pe\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.producempresarial.pe\/#website\",\"url\":\"https:\/\/www.producempresarial.pe\/\",\"name\":\"Observatorio PRODUCEmpresarial\",\"description\":\"Herramienta estrat\u00e9gica que integra y genera peri\u00f3dicamente evidencia y an\u00e1lisis sobre el desempe\u00f1o productivo del sector empresarial, as\u00ed como contribuye en la difusi\u00f3n de informaci\u00f3n y documentos t\u00e9cnicos anal\u00edticos y especializados sobre el desempe\u00f1o de las empresas en el Per\u00fa.\",\"publisher\":{\"@id\":\"https:\/\/www.producempresarial.pe\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.producempresarial.pe\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.producempresarial.pe\/#organization\",\"name\":\"PRDOUCE\",\"url\":\"https:\/\/www.producempresarial.pe\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.producempresarial.pe\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2024\/02\/image-logo-share.png\",\"contentUrl\":\"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2024\/02\/image-logo-share.png\",\"width\":1200,\"height\":628,\"caption\":\"PRDOUCE\"},\"image\":{\"@id\":\"https:\/\/www.producempresarial.pe\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.producempresarial.pe\/#\/schema\/person\/6e13e1f2f8fc108ce3789cbdb23a5d21\",\"name\":\"admin\",\"sameAs\":[\"https:\/\/www.producempresarial.pe\"],\"url\":\"https:\/\/www.producempresarial.pe\/en\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024 - Observatorio PRODUCEmpresarial","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.producempresarial.pe\/en\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/","og_locale":"en_US","og_type":"article","og_title":"Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024 - Observatorio PRODUCEmpresarial","og_description":"En el 2024, se registr\u00f3 que los saldos de cr\u00e9ditos otorgados, fueron 213,121 millones de soles, lo que represent\u00f3 una reducci\u00f3n de 5.8%, con respecto al 2023 (226,241 millones de soles). Asimismo, esta tendencia se present\u00f3 en los cr\u00e9ditos colocados, debido a la reducci\u00f3n en la microempresa (-18%),peque\u00f1a empresa (-2.3%), mediana empresa (31.6%) y gran ... Read more","og_url":"https:\/\/www.producempresarial.pe\/en\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/","og_site_name":"Observatorio PRODUCEmpresarial","article_published_time":"2025-03-11T17:34:28+00:00","article_modified_time":"2025-03-11T17:40:23+00:00","og_image":[{"width":690,"height":390,"url":"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written por":"admin","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#article","isPartOf":{"@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/"},"author":{"name":"admin","@id":"https:\/\/www.producempresarial.pe\/#\/schema\/person\/6e13e1f2f8fc108ce3789cbdb23a5d21"},"headline":"Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024","datePublished":"2025-03-11T17:34:28+00:00","dateModified":"2025-03-11T17:40:23+00:00","mainEntityOfPage":{"@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/"},"wordCount":109,"publisher":{"@id":"https:\/\/www.producempresarial.pe\/#organization"},"image":{"@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#primaryimage"},"thumbnailUrl":"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg","articleSection":["Financiamiento","Reportes Coyunturales"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/","url":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/","name":"Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024 - Observatorio PRODUCEmpresarial","isPartOf":{"@id":"https:\/\/www.producempresarial.pe\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#primaryimage"},"image":{"@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#primaryimage"},"thumbnailUrl":"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg","datePublished":"2025-03-11T17:34:28+00:00","dateModified":"2025-03-11T17:40:23+00:00","breadcrumb":{"@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#primaryimage","url":"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg","contentUrl":"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2025\/03\/268-Captura-de-pantalla-2025-03-11-122735.jpg","width":690,"height":390},{"@type":"BreadcrumbList","@id":"https:\/\/www.producempresarial.pe\/estado-de-la-inclusion-financiera-de-la-mype-diciembre-2024\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.producempresarial.pe\/"},{"@type":"ListItem","position":2,"name":"Estado de la Inclusi\u00f3n Financiera de la MYPE \u2013 diciembre 2024"}]},{"@type":"WebSite","@id":"https:\/\/www.producempresarial.pe\/#website","url":"https:\/\/www.producempresarial.pe\/","name":"Observatorio PRODUCEmpresarial","description":"Herramienta estrat\u00e9gica que integra y genera peri\u00f3dicamente evidencia y an\u00e1lisis sobre el desempe\u00f1o productivo del sector empresarial, as\u00ed como contribuye en la difusi\u00f3n de informaci\u00f3n y documentos t\u00e9cnicos anal\u00edticos y especializados sobre el desempe\u00f1o de las empresas en el Per\u00fa.","publisher":{"@id":"https:\/\/www.producempresarial.pe\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.producempresarial.pe\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.producempresarial.pe\/#organization","name":"PRDOUCE","url":"https:\/\/www.producempresarial.pe\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.producempresarial.pe\/#\/schema\/logo\/image\/","url":"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2024\/02\/image-logo-share.png","contentUrl":"https:\/\/www.producempresarial.pe\/wp-content\/uploads\/2024\/02\/image-logo-share.png","width":1200,"height":628,"caption":"PRDOUCE"},"image":{"@id":"https:\/\/www.producempresarial.pe\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.producempresarial.pe\/#\/schema\/person\/6e13e1f2f8fc108ce3789cbdb23a5d21","name":"admin","sameAs":["https:\/\/www.producempresarial.pe"],"url":"https:\/\/www.producempresarial.pe\/en\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/posts\/24745","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/comments?post=24745"}],"version-history":[{"count":6,"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/posts\/24745\/revisions"}],"predecessor-version":[{"id":24754,"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/posts\/24745\/revisions\/24754"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/media\/24747"}],"wp:attachment":[{"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/media?parent=24745"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/categories?post=24745"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.producempresarial.pe\/en\/wp-json\/wp\/v2\/tags?post=24745"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}