El sistema de crédito digital para microempresarios en Colombia
The digital credit system for microentrepreneurs in Colombia
Abstract (en)
The Applied Business Project called ‘ABI-Microcredits’ is a venture in the Colombian fintech sector based on the collaborative economy and which seeks to become a sustainable strategy against informal credit systems. It is also proposed as a solution to the credit needs and requirements for investment in working capital of microentrepreneurs, and as a safe and profitable scheme to support business development based on a large technological and social component. For this project, Design Thinking was used as the main methodology for the design, modeling and discovery of the solution; likewise tools such as the Value Proposition Canvas were used to refine the value strategy and the Buyer Persona to define the archetype of what would be considered as a customer of the service. Based on the implementation of these methodologies and the process of empathizing with the problem, the user and the competition, the ABI-Microcredits solution was designed. Finally, the main market assumptions and their impact on financial behavior of the business were modeled, identifying the main sensitivity factors of the financial situation and the expected cash flow of the project.
Abstract (es)
El proyecto aplicado empresarial denominado ‘abi-Microcréditos’ es un emprendimiento en el sector fintech colombiano. Tiene como base la economía colaborativa y busca constituirse en una estrategia sostenible frente a los sistemas de crédito informal. Se plantea, además, como solución a las necesidades y requerimientos de crédito para la inversión en capital de trabajo de microempresarios, y como un esquema seguro y rentable de apoyo al desarrollo empresarial con base en un gran componente tecnológico y social. Para el presente proyecto se empleó, como principal metodología de diseño, modelación y descubrimiento, el design thinking; igualmente, se recurrió a herramientas como el Value Proposition Canvas, para depurar la estrategia de valor, y el buyer persona, para definir el arquetipo de lo que se consideraría como cliente del servicio. A partir de la implementación de estas metodologías y del proceso de empatizar con el problema, el usuario y la competencia, se configuró la solución abi-Microcréditos. Finalmente, se modelaron los principales supuestos del mercado y el impacto de estos sobre el comportamiento financiero del negocio, identificando los principales factores de sensibilidad de la situación financiera y el flujo de caja esperado del proyecto.
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