Economía circular y microfinanzas sostenibles para la inclusión económica local
DOI:
https://doi.org/10.18800/360gestion.202611.009Palabras clave:
Economía circular, Microfinanzas sostenibles, Innovación, Inclusión económica, Sostenibilidad financieraResumen
La presente investigación analiza la interrelación entre economía circular (EC) y microfinanzas sostenibles (MFs) como ejes convergentes para promover la inclusión económica local en contextos de transición hacia la sostenibilidad. Bajo un enfoque cualitativo y descriptivo, se desarrolló una revisión sistemática de la literatura (RSL) siguiendo el protocolo PRISMA 2020, a partir de un corpus final de 30 artículos científicos publicados entre 2020 y 2024 en la base de datos Scopus.
Los resultados demuestran que la EC genera impactos financieros positivos mediante la optimización de recursos, la reducción de costos y la mejora del rendimiento organizacional, lo que respalda su integración en los sistemas de financiamiento inclusivo. La innovación tecnológica —especialmente la digitalización y la inteligencia artificial— emerge como un catalizador del desempeño circular y del monitoreo ambiental de las carteras crediticias. Sin embargo, persisten barreras estructurales vinculadas a la falta de educación financiera verde y de políticas de incentivos.
Se concluye que las MFs constituyen un vehículo estratégico para operacionalizar la EC, al facilitar el acceso a capital verde, fomentar el emprendimiento inclusivo y fortalecer la resiliencia territorial. Este estudio contribuye al debate sobre la sostenibilidad financiera, al proponer un marco integrador que vincula rentabilidad, innovación y equidad bajo los principios de la economía regenerativa.
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