<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>1390-8618</journal-id>
<journal-title><![CDATA[RETOS. Revista de Ciencias de la Administración y Economía]]></journal-title>
<abbrev-journal-title><![CDATA[Retos]]></abbrev-journal-title>
<issn>1390-8618</issn>
<publisher>
<publisher-name><![CDATA[Universidad Politécnica Salesiana]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1390-86182021000100071</article-id>
<article-id pub-id-type="doi">10.17163/ret.n20.2020.05</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Crowdfunding para el rescate de microempresas. Factores y percepciones de inversionistas potenciales en México]]></article-title>
<article-title xml:lang="en"><![CDATA[Crowdfunding for the rescue of micro-businesses. Factors and perceptions of potential investors in Mexico]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Segura-Mojica]]></surname>
<given-names><![CDATA[Francisco Javier]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
<xref ref-type="aff" rid="Aaf"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Profesor investigador del Tecnológico Nacional de México  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Instituto Tecnológico de San Luis Potosí  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>México</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>09</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>09</month>
<year>2021</year>
</pub-date>
<volume>11</volume>
<numero>21</numero>
<fpage>71</fpage>
<lpage>91</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_arttext&amp;pid=S1390-86182021000100071&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_abstract&amp;pid=S1390-86182021000100071&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.senescyt.gob.ec/scielo.php?script=sci_pdf&amp;pid=S1390-86182021000100071&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Durante el confinamiento asociado a la contingencia sanitaria por la COVID-19, casi cuatrocientas mil micro y pequeñas empresas se vieron forzadas a cerrar en México. En este documento se presentan los resultados de una investigación cuantitativa, de alcance descriptivo, cuyo objetivo fue rastrear percepciones de microinversionistas y factores que influirían sobre su decisión de ayudar al rescate de microempresas y empleos en el escenario de la contingencia económica derivada de la COVID-19. Como metodología se utilizó la Actor-Network Theory (ANT) y como herramienta de análisis el Chi Square Automatic Interaction Detection (CHAID). Se encontró que, en el escenario de recesión económica, aproximadamente 23% de las personas económicamente activas cuentan con excedentes que podrían destinarse al financiamiento colectivo; además, se ha reforzado el interés de los micro inversionistas hacia proyectos que crean empleos o ayudan a conservar los ya existentes; por otra parte, como elemento que ayuda a rastrear las asociaciones entre inversionistas y emprendedores se identificó una variable que llamamos mediación; con base en lo anterior, se definió un listado de criterios que podrían ayudar a diseñar una plataforma de financiamiento colectivo con enfoque de red descentralizada y solidaria. Además, se encontró que la digitalización es clave para que una microempresa aspire a obtener financiamiento colectivo, y por lo tanto, para mejorar sus posibilidades de sobrevivencia en un escenario de contingencia económica.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract During the confinement associated with the health contingency due to Covid-19, almost four hundred thousand micro and small businesses were forced to close in Mexico. This document presents the results of a quantitative descriptive and cross-sectional study, the objective of which was to track the perceptions of micro-investors and factors that would influence their decision to help rescue micro-enterprises and jobs in the scenario of the economic contingency. The Actor-Network Theory (ANT) was used as the analysis methodology. It was found that, in the scenario of economic recession associated with the health contingency, approximately 23% of economically active people have surpluses that could be used for collective financing; Furthermore, the interest of micro-investors in projects that create jobs or help to preserve existing ones has been reinforced. On the other hand, as an element that helps to trace the associations between investors and entrepreneurs, a variable that we call mediation was identified; Based on the above, a list of criteria was defined that could help design a collective financing platform with a decentralized and solidarity network approach. In addition, it was found that digitization is key for a microenterprise to aspire to obtain collective financing, and therefore, to improve its chances of survival in a scenario of economic contingency.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Microempresa]]></kwd>
<kwd lng="es"><![CDATA[crowdfunding]]></kwd>
<kwd lng="es"><![CDATA[actor-red]]></kwd>
<kwd lng="es"><![CDATA[microinversionistas]]></kwd>
<kwd lng="es"><![CDATA[emprendedores]]></kwd>
<kwd lng="es"><![CDATA[COVID-19]]></kwd>
<kwd lng="es"><![CDATA[fintech]]></kwd>
<kwd lng="es"><![CDATA[plataforma]]></kwd>
<kwd lng="en"><![CDATA[Micro-enterprise]]></kwd>
<kwd lng="en"><![CDATA[crowdfunding]]></kwd>
<kwd lng="en"><![CDATA[actor-network]]></kwd>
<kwd lng="en"><![CDATA[micro-investors]]></kwd>
<kwd lng="en"><![CDATA[entrepreneurs]]></kwd>
<kwd lng="en"><![CDATA[COVID-19]]></kwd>
<kwd lng="en"><![CDATA[fintech]]></kwd>
<kwd lng="en"><![CDATA[platform]]></kwd>
</kwd-group>
</article-meta>
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