espanolEste articulo presenta la participacion del sector microempresarial total del sector empresarial formal y su aporte a la generacion de empleo en San Juan de Pasto, importancia que se consagra en la ley Mipyme 590. Se hace referencia sobre los principales oferentes del microcredito, utilizados por los microempresarios formales para financiar su actividad empresarial en la ciudad, argumentando su afinidad con base a las tasas de interes ofrecidas por cada uno de los prestamistas y, se hace un analisis de la composicion de la cartera bruta en relacion al credito de consumo, hipotecario, comercial y microcredito. De igual manera se determina la incidencia del microcredito sobre el sector microempresarial, visto desde el punto de vista del crecimiento en el valor de activos y numero de empleados; ademas se corrobora la fuerte relacion o asociacion entre este tipo de cartera y el PIB municipal. El estudio tambien asumio la elaboracion de un punto de inflexion para determinar la trascendencia del fenomeno inflacionario en el crecimiento de la cartera microcrediticia. EnglishThis article mentions on the participation of the microcompany sector on the total of the managerial formal sector and, his contribution to the generation of employment in San Juan of Pasture, importance that devotes itself in the law Mipyme 590. One refers on the principal offerers of the microcredit, used by the formal microbusinessmen to finance his managerial activity in the city, arguing his affinity on the basis of the rates of interest offered by each of the lenders and, there is done an analysis of the composition of the brute portfolio in relation to the credit of consumption, mortgage, commercial and microcredit. Of equal way you seized to determining the incident of the microcredit on the micromanagerial sector, I dress from the point of view of the growth in the value of assets and number of employees, in addition there is corroborated the idea of the strong relation or association between this type of portfolio and the municipal GDP, the study also assumed the production of a point of inflexion to determine the transcendency of the inflationary phenomenon in the growth of the microcredit portfolio.