Uso de pagos inmediatos con QR y bancarización de actividades informales en Santa Cruz de la Sierra
Abstract
La presencia de la economía informal en Bolivia es importante. En efecto, el quehacer diario en las distintas ciudades del eje central del país, en particular Santa Cruz, muestra la importancia del sector, enfocado principalmente en el comercio y, en menor medida, en la micro y pequeña producción. Las ferias de productos son tradicionales en la ciudad de Santa Cruz de la Sierra, destacándose la feria de Barrio Lindo por su tamaño y variedad de productos. Por otro lado, desde la pandemia del coronavirus, los pagos electrónicos, y en particular los inmediatos con QR, han aumentado exponencialmente según las estadísticas oficiales. El propósito de esta investigación, en consecuencia, es indagar sobre el uso de pagos inmediatos con QR en los sectores informales y si su utilización ha favorecido la apertura de cuentas bancarias. Para ello, se realizó un trabajo de campo en la feria de Barrio Lindo con la colaboración de estudiantes de la Universidad Evangélica Boliviana de Santa Cruz de la Sierra. Los resultados encontrados muestran que los pagos y cobros con QR tienen una presencia importante en la feria, realizándose con bastante frecuencia y promoviendo la apertura de cuentas bancarias, especialmente en el caso de los clientes, así como contribuyendo al aumento de las ventas de los comerciantes. Classification/Clasificación JEL: C83, E26, G20.
The presence of the informal economy in Bolivia is important. Indeed, the daily activities in the different cities of the central axis of the country, in particular Santa Cruz, show the importance of the sector, focused mainly on commerce and, to a lesser extent, on micro and small production. Product fairs are traditional in the city of Santa Cruz de la Sierra, with the Barrio Lindo fair standing out for its size and variety of products. On the other hand, since the coronavirus pandemic, electronic payments, and particularly immediate ones with QR, have increased exponentially according to official statistics. The purpose of this research, consequently, is to investigate the use of QR payments in the informal sectors and whether this has favored the opening of bank accounts. Field work was carried out at the Barrio Lindo fair with the cooperation of students from the Universidad Evangélica Boliviana of Santa Cruz de la Sierra. The results found show that, at the fair, payments and collections with QR have an important presence, are carried out quite frequently, promoted the opening of bank accounts, especially in the case of costumers, and contributed to the increase in sales of the merchants.
The presence of the informal economy in Bolivia is important. Indeed, the daily activities in the different cities of the central axis of the country, in particular Santa Cruz, show the importance of the sector, focused mainly on commerce and, to a lesser extent, on micro and small production. Product fairs are traditional in the city of Santa Cruz de la Sierra, with the Barrio Lindo fair standing out for its size and variety of products. On the other hand, since the coronavirus pandemic, electronic payments, and particularly immediate ones with QR, have increased exponentially according to official statistics. The purpose of this research, consequently, is to investigate the use of QR payments in the informal sectors and whether this has favored the opening of bank accounts. Field work was carried out at the Barrio Lindo fair with the cooperation of students from the Universidad Evangélica Boliviana of Santa Cruz de la Sierra. The results found show that, at the fair, payments and collections with QR have an important presence, are carried out quite frequently, promoted the opening of bank accounts, especially in the case of costumers, and contributed to the increase in sales of the merchants.
Description
No. 41