Plan de negocio para impulsar y fortalecer los préstamos digitales de bajo costo en Colombia

Abstract

The COVID-19 pandemic has propelled the adoption of digital commerce, leading to an increase in online shopping. Currently, we are in a transitional period towards a market economy and digital commerce. This poses challenges in structuring a market that allows for the maximum utilization of digital commerce and online consumption, but also presents opportunities for the development of skills and strategies in the field of digital commerce, marketing, and sales. In contrast to informal credit sources such as pawn shops and informal lenders known as 'gota a gota' who charge interest rates of up to 280% according to the Financial Superintendence, there is a proposal for "nano credits" or low-cost consumer credits. These credits are offered by regulated organizations, aimed at the less privileged population and with interest rates that hover around 25% EA.