El uso de las tarjetas de crédito y su impacto en el crecimiento y dinamización económica de Colombia durante el periodo (2015 - 2020)

Abstract

In this research, a socioeconomic reflection was made, where the relationship between social subject and consumption is approached from different theoretical approaches and interpreting the phenomenon from the predominant schools in contemporary times, to have a wide margin of structural reading and land the social and historical function that the credit card has, assuming, such function from social, political and economic variables, resulting in an interdisciplinary analysis that gives a concrete answer to the place and impact in the field of Colombian economic growth. For this purpose, a type of research with a mixed approach was used since the magnitudes and frequencies with which a phenomenon, in this case plastic money, affects the Colombian economy were analyzed, under a temporality that allows measuring the frequencies of incidence, in this case the period between 2015 and 2020. For the results, information was collected in reliable databases where the characteristics of the credit card, use and functions, means of electronic payments and impact and growth of the same were listed, in addition it is concluded that credit cards as a tool was created from the social and historical development, since they are a response to the maturation of the financial system and the construction of a society based on consumption as a fundamental activity for the subjective determination of an identity and likewise, for the daily constitution in an aspect of face-to-face interaction for the reaffirmation of belonging to a particular community. In the present investigation it was possible to verify that consumption has become much more than a process inherent to humanity to satisfy basic needs of existence.