<?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>2409-8752</journal-id>
<journal-title><![CDATA[Revista Científica de la UCSA]]></journal-title>
<abbrev-journal-title><![CDATA[Rev. ciente. UCSA]]></abbrev-journal-title>
<issn>2409-8752</issn>
<publisher>
<publisher-name><![CDATA[Universidad del Cono Sur de las Américas]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2409-87522026000100034</article-id>
<article-id pub-id-type="doi">10.18004/ucsa/2409-8752/2026.013.01.034</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Brechas de género e inclusión financiera: el rol del crédito público en las microempresas de mujeres en Caacupé, Paraguay]]></article-title>
<article-title xml:lang="en"><![CDATA[Gender gaps and financial inclusion: the role of public credit in women's microenterprises in Caacupé, Paraguay]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Almada Alonso]]></surname>
<given-names><![CDATA[Denis Ariel Dejesús]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Figueredo Rodríguez]]></surname>
<given-names><![CDATA[Pedro Osvaldo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Contrera González]]></surname>
<given-names><![CDATA[Mirian]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Americana  ]]></institution>
<addr-line><![CDATA[Asunción ]]></addr-line>
<country>Paraguay</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>04</month>
<year>2026</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>04</month>
<year>2026</year>
</pub-date>
<volume>13</volume>
<numero>1</numero>
<fpage>34</fpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_arttext&amp;pid=S2409-87522026000100034&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_abstract&amp;pid=S2409-87522026000100034&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.iics.una.py/scielo.php?script=sci_pdf&amp;pid=S2409-87522026000100034&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN El acceso al financiamiento constituye un factor clave para el desarrollo y la sostenibilidad de las microempresas, sobre todo en contextos donde persisten brechas de género en la inclusión financiera. El presente estudio analiza la línea de crédito para mujeres emprendedoras de microempresas del Banco Nacional de Fomento [BNF] en la ciudad de Caacupé, Paraguay, durante el año 2023. La investigación adopta un enfoque cuantitativo, de alcance descriptivo y diseño no experimental, basado en la aplicación de encuestas a mujeres beneficiarias del programa. Los resultados permiten caracterizar el perfil socioeconómico de las emprendedoras, los sectores de inversión de los fondos, el impacto percibido del crédito en los ingresos y el desempeño del negocio, el acceso a capacitación y asistencia técnica, el cumplimiento de las obligaciones financieras y la percepción del acompañamiento institucional. Se evidencia que el crédito contribuyó a la mejora de los ingresos, la diversificación productiva y el fortalecimiento de la gestión de las microempresas, sobre todo cuando estuvo acompañado de capacitación y apoyo institucional. Asimismo, se observa un alto nivel de cumplimiento crediticio y expectativas positivas de crecimiento. Se concluye que la línea de crédito analizada representa una herramienta relevante de inclusión financiera con perspectiva de género, aunque se identifican oportunidades de mejora en el fortalecimiento de la capacidad y el seguimiento integral de las beneficiarias. El estudio aporta evidencia empírica local para el diseño y evaluación de políticas públicas orientadas al emprendimiento femenino y al desarrollo económico inclusivo.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT Access to financing is a key factor for the development and sustainability of microenterprises, especially in contexts where gender gaps in financial inclusion persist. This study analyzes the credit line for women microenterprise entrepreneurs offered by the National Development Bank (BNF) in the city of Caacupé, Paraguay, during 2023. The research adopts a quantitative, descriptive, and non-experimental design, based on surveys administered to women beneficiaries of the program. The results characterize the socioeconomic profile of the entrepreneurs, the sectors in which the funds were invested, the perceived impact of the credit on income and business performance, access to training and technical assistance, compliance with financial obligations, and the perception of institutional support. The study shows that the credit contributed to improved income, productive diversification, and strengthened microenterprise management, particularly when accompanied by training and institutional support. Furthermore, a high level of loan repayment and positive growth expectations were observed. The study concludes that the analyzed credit line represents a relevant tool for financial inclusion with a gender perspective, although opportunities for improvement are identified in strengthening the capacity and comprehensive monitoring of beneficiaries. The study provides local empirical evidence for the design and evaluation of public policies aimed at women's entrepreneurship and inclusive economic development.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[desarrollo económico local]]></kwd>
<kwd lng="es"><![CDATA[emprendimiento femenino]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[microempresas]]></kwd>
<kwd lng="es"><![CDATA[igualdad de género]]></kwd>
<kwd lng="en"><![CDATA[local economic development]]></kwd>
<kwd lng="en"><![CDATA[women's entrepreneurship]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[microenterprises]]></kwd>
<kwd lng="en"><![CDATA[gender equality]]></kwd>
</kwd-group>
</article-meta>
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