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Financial inclusion is one of the necessary pillars for the economic development of micro and small enterprises in Peru, which are undoubtedly an important agent if we talk about formal employment and the country's Gross Domestic Product. This article analyzes the evolution of the financial inclusion of micro and small enterprises during the years 2021 to 2023, as well as the challenges they faced and the opportunities presented during the COVID-19 pandemic. Through a review of relevant data, aspects such as the importance of digitalization, the inherent need for financial education to foster a more inclusive environment, and the policies implemented by the State are examined. To this end, the analytical-synthetic method has been used, with a quantitative and qualitative approach on the other and a non-experimental design, presenting documentary and statistical analysis as the main technique, with a simple correlation model of the investigated variables, considering the years 2021 to 2023 as the study period. The analysis has concluded that financial inclusion reduces informality disparities in a measurable and notorious way, thus contributing to the strengthening of micro and small enterprises, however, there are many limitations they face to achieve it. For this reason, State policies must establish correct mechanisms that translate into sustainable financial inclusion.
Este obra está bajo una licencia de Creative Commons Reconocimiento-NoComercial-CompartirIgual 4.0 Internacional.
