{"id":8141,"date":"2026-07-14T14:36:22","date_gmt":"2026-07-14T19:36:22","guid":{"rendered":"https:\/\/observatorioarmenia.org\/site\/?p=8141"},"modified":"2026-07-14T14:36:23","modified_gmt":"2026-07-14T19:36:23","slug":"observatorio-economico-la-informalidad-laboral-en-armenia-2026","status":"publish","type":"post","link":"https:\/\/observatorioarmenia.org\/site\/observatorio-economico-la-informalidad-laboral-en-armenia-2026\/","title":{"rendered":"Observatorio Econ\u00f3mico: la informalidad laboral en Armenia 2026"},"content":{"rendered":"\n<html xmlns:o=\"urn:schemas-microsoft-com:office:office\"\nxmlns:w=\"urn:schemas-microsoft-com:office:word\"\nxmlns:m=\"http:\/\/schemas.microsoft.com\/office\/2004\/12\/omml\"\nxmlns=\"http:\/\/www.w3.org\/TR\/REC-html40\">\n\n<head>\n<meta http-equiv=Content-Type content=\"text\/html; charset=utf-8\">\n<meta name=ProgId content=Word.Document>\n<meta name=Generator content=\"Microsoft Word 15\">\n<meta name=Originator content=\"Microsoft Word 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class=MsoNormal style='margin-bottom:20.0pt'><span style='font-size:10.0pt;\ncolor:#595959'>Secretar\u00eda de Hacienda Municipal<\/span><\/p>\n\n<p class=MsoNormal style='margin-bottom:6.0pt'><b><span style='font-size:20.0pt;\ncolor:#1F3864'>Econom\u00eda Informal en Armenia, Quind\u00edo<\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-bottom:15.0pt'><b><span style='font-size:13.0pt;\ncolor:#2E5090'>Evoluci\u00f3n postpandemia y sectores cr\u00edticos<\/span><\/b><\/p>\n\n<p class=MsoNormal style='margin-bottom:30.0pt'><i><span style='color:#595959'>Julio\nde 2026<\/span><\/i><\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #BFBFBF 1.0pt;\nmso-border-bottom-alt:solid #BFBFBF .75pt;padding:0cm 0cm 1.0pt 0cm'>\n\n<p class=MsoNormal style='margin-bottom:12.0pt;border:none;mso-border-bottom-alt:\nsolid #BFBFBF .75pt;padding:0cm;mso-padding-alt:0cm 0cm 1.0pt 0cm'><o:p>&nbsp;<\/o:p><\/p>\n\n<\/div>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>Resumen ejecutivo<\/h1>\n\n<\/div>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>La informalidad laboral contin\u00faa siendo el principal reto estructural del\nmercado de trabajo en Armenia. Aunque la ciudad se ubica sistem\u00e1ticamente por\ndebajo del promedio de informalidad de las 23 ciudades y \u00e1reas metropolitanas\ndel pa\u00eds, el fen\u00f3meno ha mostrado un comportamiento en forma de &quot;U&quot;\ndesde la pandemia: parti\u00f3 de niveles muy altos en 2021, alcanz\u00f3 su punto m\u00e1s\nbajo en 2024 y ha repuntado durante 2025, impulsado principalmente por el\ncrecimiento del trabajo por cuenta propia.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>La informalidad en Armenia sigue concentrada de forma abrumadora en los\nmicronegocios, mientras que la mejora reciente del empleo asalariado privado no\nha sido suficiente para revertir la tendencia. Este informe consolida cifras de\nla Gran Encuesta Integrada de Hogares (GEIH) del DANE, el diagn\u00f3stico del\nObservatorio de Armenia, el an\u00e1lisis de la C\u00e1mara de Comercio de Armenia y del\nQuind\u00edo, y declaraciones del director de Fedesarrollo, Luis Fernando Mej\u00eda, en\nsu m\u00e1s reciente visita a la ciudad.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>1. Contexto y metodolog\u00eda<\/h1>\n\n<\/div>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Este informe integra cuatro fuentes principales:<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l2 level1 lfo2'><![if !supportLists]><span\nstyle='mso-list:Ignore'>1.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span><![endif]>DANE \u2014 Bolet\u00edn GEIH, mercado laboral, trimestre m\u00f3vil\njulio-septiembre 2025 (cifras nacionales, 23 ciudades y A.M.).<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l2 level1 lfo2'><![if !supportLists]><span\nstyle='mso-list:Ignore'>2.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span><![endif]>Observatorio de Armenia (Secretar\u00eda de Hacienda\nMunicipal), diagn\u00f3stico del problema de empleo, con datos DANE procesados a\nnivel municipal desde 2021.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l2 level1 lfo2'><![if !supportLists]><span\nstyle='mso-list:Ignore'>3.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span><![endif]>C\u00e1mara de Comercio de Armenia y del Quind\u00edo (CCAQ),\nbolet\u00edn de mercado laboral con cifras DANE, octubre de 2025.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l2 level1 lfo2'><![if !supportLists]><span\nstyle='mso-list:Ignore'>4.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;\n<\/span><\/span><![endif]>Fedesarrollo, declaraciones de su director, Luis\nFernando Mej\u00eda, en entrevista realizada en Armenia (2025), sobre el panorama\necon\u00f3mico departamental y nacional.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>El periodo de an\u00e1lisis comprende desde el primer trimestre de 2021 (fase\nde recuperaci\u00f3n postpandemia) hasta el tercer trimestre de 2025, el dato m\u00e1s\nreciente disponible.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>2. Panorama nacional de la informalidad<\/h1>\n\n<\/div>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>De acuerdo con el DANE, en el trimestre m\u00f3vil julio-septiembre 2025 la\ninformalidad laboral en el total nacional se ubic\u00f3 en 55,0%, mientras que para\nel conjunto de las 23 ciudades y \u00e1reas metropolitanas fue de 43,0%. Esto\nsignifica que, a nivel pa\u00eds, pr\u00e1cticamente uno de cada dos ocupados no cuenta\ncon afiliaci\u00f3n a seguridad social ni con las garant\u00edas laborales de un empleo\nformal.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>El director de Fedesarrollo, Luis Fernando Mej\u00eda, calific\u00f3 este fen\u00f3meno\ncomo &quot;el gran reto del mercado laboral en Colombia&quot;, se\u00f1alando que la\ninformalidad nacional se ubica cerca del 57% \u2014es decir, aproximadamente seis de\ncada diez ocupados\u2014, incluso en un contexto donde la tasa de desempleo ha\nlogrado bajar a un d\u00edgito (9,1% en promedio anual). Mej\u00eda atribuy\u00f3 la\npersistencia del fen\u00f3meno a rezagos en la formaci\u00f3n de capital humano, altos\ncostos de formalizaci\u00f3n empresarial y la necesidad de una reforma tributaria\nque reduzca las cargas sobre la generaci\u00f3n de empleo formal.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>La informalidad tambi\u00e9n muestra una marcada diferencia por tama\u00f1o de\nempresa a nivel nacional:<\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=646\n style='width:484.8pt;border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm .5pt 0cm .5pt;mso-border-insideh:\n .5pt solid windowtext;mso-border-insidev:.5pt solid windowtext'>\n <thead>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n   <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n   mso-border-alt:solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Tama\u00f1o de empresa<\/span><\/b><\/p>\n   <\/td>\n   <td width=246 valign=top style='width:184.8pt;border:solid windowtext 1.0pt;\n   border-left:none;mso-border-left-alt:solid windowtext .5pt;mso-border-alt:\n   solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Tasa de informalidad<\/span><\/b><\/p>\n   <\/td>\n  <\/tr>\n <\/thead>\n <tr style='mso-yfti-irow:1'>\n  <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Microempresa<\/span><\/p>\n  <\/td>\n  <td width=246 valign=top style='width:184.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>84,7%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Empresa peque\u00f1a<\/span><\/p>\n  <\/td>\n  <td width=246 valign=top style='width:184.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>20,5%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Empresa mediana<\/span><\/p>\n  <\/td>\n  <td width=246 valign=top style='width:184.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>5,0%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4;mso-yfti-lastrow:yes'>\n  <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Empresa grande<\/span><\/p>\n  <\/td>\n  <td width=246 valign=top style='width:184.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>2,6%<\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'><o:p>&nbsp;<\/o:p><\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Y por g\u00e9nero, la informalidad nacional es mayor entre los hombres (57,4%)\nque entre las mujeres (51,6%), aunque este patr\u00f3n se invierte en el agregado de\n13 ciudades y \u00e1reas metropolitanas, donde las mujeres presentan una\ninformalidad de 40,7% frente a 42,4% de los hombres.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>3. Evoluci\u00f3n de la informalidad en Armenia: postpandemia a la actualidad<\/h1>\n\n<\/div>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>La serie de datos procesada por el Observatorio de Armenia con base en\nGEIH-DANE permite reconstruir una trayectoria clara desde 2021:<\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=646\n style='width:484.8pt;border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm .5pt 0cm .5pt;mso-border-insideh:\n .5pt solid windowtext;mso-border-insidev:.5pt solid windowtext'>\n <thead>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n   <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n   mso-border-alt:solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Periodo<\/span><\/b><\/p>\n   <\/td>\n   <td width=246 valign=top style='width:184.8pt;border:solid windowtext 1.0pt;\n   border-left:none;mso-border-left-alt:solid windowtext .5pt;mso-border-alt:\n   solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Tasa de informalidad Armenia<\/span><\/b><\/p>\n   <\/td>\n  <\/tr>\n <\/thead>\n <tr style='mso-yfti-irow:1'>\n  <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>2021-T1 (m\u00e1ximo\n  del periodo)<\/span><\/p>\n  <\/td>\n  <td width=246 valign=top style='width:184.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>53,96%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>2024-T2 (m\u00ednimo\n  del periodo)<\/span><\/p>\n  <\/td>\n  <td width=246 valign=top style='width:184.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>39,41%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>2025-T2<\/span><\/p>\n  <\/td>\n  <td width=246 valign=top style='width:184.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>43,37%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Cambio 2021-T1\n  \u2192 2025-T2<\/span><\/p>\n  <\/td>\n  <td width=246 valign=top style='width:184.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>\u221210,59 p.p.<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5;mso-yfti-lastrow:yes'>\n  <td width=400 valign=top style='width:300.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Cambio\n  interanual 2024-T2 \u2192 2025-T2<\/span><\/p>\n  <\/td>\n  <td width=246 valign=top style='width:184.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+3,96 p.p.<\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'><o:p>&nbsp;<\/o:p><\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Estas cifras describen tres fases:<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>2021: choque postpandemia. La informalidad parte de\nniveles muy elevados (53,96%), reflejo del colapso del empleo formal durante\n2020 y la migraci\u00f3n masiva hacia el autoempleo como estrategia de supervivencia\necon\u00f3mica.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>2021-2024: recuperaci\u00f3n sostenida. La ciudad logra una\nreducci\u00f3n acumulada de m\u00e1s de 10 puntos porcentuales, llegando a su m\u00ednimo\nhist\u00f3rico reciente de 39,41% en el segundo trimestre de 2024, impulsada por la\nrecuperaci\u00f3n del empleo asalariado privado.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>2024-2025: rebote. La tendencia se revierte y la\ninformalidad aumenta casi 4 puntos porcentuales en un a\u00f1o, un fen\u00f3meno que el\npropio diagn\u00f3stico del Observatorio describe como asociado al crecimiento del\ntrabajo por cuenta propia, t\u00edpico cuando hay ajustes de demanda y rotaci\u00f3n\nocupacional hacia autoempleo, posiblemente ante la p\u00e9rdida de negocios\nformales.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>El bolet\u00edn de la C\u00e1mara de Comercio de Armenia y del Quind\u00edo, con corte\nal trimestre junio-agosto de 2025, confirma esta misma direcci\u00f3n: la\ninformalidad pas\u00f3 de 41,3% a 42,5% en la comparaci\u00f3n interanual (+1,2 p.p.),\naunque con una leve mejora de 1,1 p.p. frente al trimestre inmediatamente\nanterior, lo que sugiere que el repunte, si bien real, no ha sido lineal mes a\nmes.<\/p>\n\n<h2>An\u00e1lisis de correlaci\u00f3n (Observatorio de Armenia)<\/h2>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>El diagn\u00f3stico del Observatorio realiz\u00f3 un ejercicio de correlaci\u00f3n entre\nla informalidad y los distintos grupos ocupacionales, con hallazgos relevantes\npara entender qu\u00e9 est\u00e1 impulsando el fen\u00f3meno:<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Informalidad vs. empleados del sector privado: \u22120,58\n(cuando sube el empleo asalariado privado, tiende a bajar la informalidad).<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Informalidad vs. empleados del gobierno: \u22120,03 (sin\nrelaci\u00f3n apreciable).<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Informalidad vs. cuenta propia: \u22120,38 (relaci\u00f3n mixta\nen el largo plazo, pero asociada al repunte reciente).<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Esto indica que el mercado laboral de Armenia tiene una estructura dual:\nun pilar de empleo asalariado privado que, cuando crece, reduce la\ninformalidad, y un pilar de autoempleo\/cuenta propia que act\u00faa como v\u00e1lvula de\nescape cuando el empleo formal se contrae o se estanca.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>4. Comparativo Armenia frente al panorama nacional y regional<\/h1>\n\n<\/div>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Un hallazgo importante es que, en el trimestre julio-septiembre de 2025,\nArmenia se ubica entre las ciudades con menor informalidad relativa del pa\u00eds,\npor debajo del promedio de las 23 ciudades y \u00e1reas metropolitanas (43,0%), en\nun rango similar al de Medell\u00edn, Tunja y Manizales. Esto contrasta con ciudades\ncomo Sincelejo (69,1%), Monter\u00eda (66,0%) y Valledupar (65,4%), que encabezan la\ninformalidad urbana en Colombia.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Esta posici\u00f3n relativamente favorable de Armenia debe leerse con cautela:\nla mejora relativa frente a otras ciudades no significa una mejora absoluta\nreciente, dado que la tendencia local de los \u00faltimos doce meses ha sido de\naumento, no de reducci\u00f3n, de la informalidad.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>5. Sectores y segmentos con mayor informalidad en Armenia<\/h1>\n\n<\/div>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>De acuerdo con la estructura ocupacional de Armenia para el primer\nsemestre de 2025 (Observatorio de Armenia), la ciudad promedi\u00f3 140,0 mil\npersonas ocupadas, distribuidas as\u00ed por posici\u00f3n ocupacional:<\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=646\n style='width:484.8pt;border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm .5pt 0cm .5pt;mso-border-insideh:\n .5pt solid windowtext;mso-border-insidev:.5pt solid windowtext'>\n <thead>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n   <td width=347 valign=top style='width:260.0pt;border:solid windowtext 1.0pt;\n   mso-border-alt:solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Posici\u00f3n ocupacional<\/span><\/b><\/p>\n   <\/td>\n   <td width=160 valign=top style='width:120.0pt;border:solid windowtext 1.0pt;\n   border-left:none;mso-border-left-alt:solid windowtext .5pt;mso-border-alt:\n   solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Miles de personas<\/span><\/b><\/p>\n   <\/td>\n   <td width=140 valign=top style='width:104.8pt;border:solid windowtext 1.0pt;\n   border-left:none;mso-border-left-alt:solid windowtext .5pt;mso-border-alt:\n   solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>% del total<\/span><\/b><\/p>\n   <\/td>\n  <\/tr>\n <\/thead>\n <tr style='mso-yfti-irow:1'>\n  <td width=347 valign=top style='width:260.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Trabajador por\n  cuenta propia<\/span><\/p>\n  <\/td>\n  <td width=160 valign=top style='width:120.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>61,8<\/span><\/p>\n  <\/td>\n  <td width=140 valign=top style='width:104.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>44,1%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=347 valign=top style='width:260.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Asalariado\n  privado<\/span><\/p>\n  <\/td>\n  <td width=160 valign=top style='width:120.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>61,7<\/span><\/p>\n  <\/td>\n  <td width=140 valign=top style='width:104.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>44,1%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=347 valign=top style='width:260.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Empleo p\u00fablico<\/span><\/p>\n  <\/td>\n  <td width=160 valign=top style='width:120.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>6,8<\/span><\/p>\n  <\/td>\n  <td width=140 valign=top style='width:104.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>4,9%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=347 valign=top style='width:260.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Patr\u00f3n o\n  empleador<\/span><\/p>\n  <\/td>\n  <td width=160 valign=top style='width:120.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>3,9<\/span><\/p>\n  <\/td>\n  <td width=140 valign=top style='width:104.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>2,8%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=347 valign=top style='width:260.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Empleado\n  dom\u00e9stico<\/span><\/p>\n  <\/td>\n  <td width=160 valign=top style='width:120.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>2,6<\/span><\/p>\n  <\/td>\n  <td width=140 valign=top style='width:104.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>1,9%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6'>\n  <td width=347 valign=top style='width:260.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Trabajador\n  familiar sin remuneraci\u00f3n<\/span><\/p>\n  <\/td>\n  <td width=160 valign=top style='width:120.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>1,9<\/span><\/p>\n  <\/td>\n  <td width=140 valign=top style='width:104.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>1,3%<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:7;mso-yfti-lastrow:yes'>\n  <td width=347 valign=top style='width:260.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Jornalero\/pe\u00f3n<\/span><\/p>\n  <\/td>\n  <td width=160 valign=top style='width:120.0pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>1,3<\/span><\/p>\n  <\/td>\n  <td width=140 valign=top style='width:104.8pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>0,9%<\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'><o:p>&nbsp;<\/o:p><\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>La paridad casi exacta entre trabajo por cuenta propia y empleo\nasalariado privado (raz\u00f3n \u2248 1,00) confirma que el mercado laboral de Armenia\ndescansa sobre dos pilares de peso similar: uno formal y sensible al ciclo\necon\u00f3mico local (asalariados privados), y otro informal por naturaleza y\naltamente sensible a la demanda (cuenta propia).<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>En cuanto al comportamiento sectorial reciente (trimestre junio-agosto\n2025, C\u00e1mara de Comercio\/DANE), los sectores que mostraron mejor desempe\u00f1o en\ngeneraci\u00f3n de empleo fueron:<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Alojamiento y servicios de comida<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Actividades profesionales, cient\u00edficas y t\u00e9cnicas<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Construcci\u00f3n<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>A nivel nacional, el patr\u00f3n por rama econ\u00f3mica de generaci\u00f3n de empleo\n(dato de referencia GEIH) muestra que comercio y reparaci\u00f3n de veh\u00edculos, junto\ncon administraci\u00f3n p\u00fablica, educaci\u00f3n y salud, e industrias manufactureras,\nconcentran la mayor creaci\u00f3n de puestos de trabajo, mientras que sectores como\nactividades inmobiliarias, informaci\u00f3n y comunicaciones, y suministro de\nelectricidad y gas presentan contracci\u00f3n.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Es razonable inferir, dada la estructura de Armenia, que el comercio\nminorista y los micronegocios asociados a \u00e9l son el segmento de mayor\nconcentraci\u00f3n de informalidad, en l\u00ednea con el dato nacional de que el 84,7% de\nlas microempresas opera de manera informal.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>6. Factores estructurales y territoriales asociados<\/h1>\n\n<\/div>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>El diagn\u00f3stico del Observatorio de Armenia identifica un problema\nadicional derivado del aumento de la informalidad: la ocupaci\u00f3n del espacio\np\u00fablico por parte de comerciantes informales, un fen\u00f3meno documentado tambi\u00e9n\npor investigaciones acad\u00e9micas locales sobre ventas ambulantes en la zona\ncentro de la ciudad (zona CAM). Este es un punto de intersecci\u00f3n entre la\npol\u00edtica de empleo y la planeaci\u00f3n territorial: el Plan de Ordenamiento\nTerritorial (POT) es se\u00f1alado como un instrumento clave para habilitar zonas\nempresariales e industriales que permitan canalizar inversi\u00f3n p\u00fablica y privada\nhacia la formalizaci\u00f3n.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Entre las causas estructurales que perpet\u00faan la informalidad en Armenia,\nel diagn\u00f3stico destaca:<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Incumplimiento de horarios, tarifas por hora y\ncotizaciones a salud y pensi\u00f3n en empleos informales.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Ausencia de infraestructura f\u00edsica suficiente para\nzonas industriales y empresariales.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Alta sensibilidad del cuenta propia a los ciclos de\ndemanda local, lo que lo convierte en refugio ocupacional en momentos de\ncontracci\u00f3n del empleo formal.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>7. Contexto macroecon\u00f3mico departamental (Fedesarrollo)<\/h1>\n\n<\/div>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Seg\u00fan Luis Fernando Mej\u00eda, director de Fedesarrollo, el departamento del\nQuind\u00edo presenta una din\u00e1mica de crecimiento superior al promedio nacional, lo\ncual matiza el an\u00e1lisis de informalidad: la econom\u00eda departamental creci\u00f3 2,2%\nen 2025 frente a 1,6% del total nacional, jalonada por caf\u00e9, turismo y\ncomercio. La agricultura representa el 28% del PIB departamental, frente a\napenas 9% a nivel nacional, lo que hace al Quind\u00edo particularmente sensible al\nciclo de precios del caf\u00e9.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Este crecimiento econ\u00f3mico superior al promedio no se ha traducido, sin\nembargo, en una reducci\u00f3n sostenida de la informalidad \u2014de hecho, coincide con\nel periodo de repunte 2024-2025\u2014, lo que sugiere que el crecimiento reciente ha\nsido intensivo en autoempleo y micronegocios m\u00e1s que en generaci\u00f3n de empleo\nasalariado formal de calidad.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Mej\u00eda tambi\u00e9n se\u00f1al\u00f3 niveles de confianza industrial y comercial en\nQuind\u00edo superiores al promedio nacional, lo que anticipa una actividad\necon\u00f3mica sostenida hacia 2026, pero no garantiza por s\u00ed solo una mejora en la\ncalidad del empleo si no se acompa\u00f1a de pol\u00edticas espec\u00edficas de formalizaci\u00f3n.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>8. Conclusiones<\/h1>\n\n<\/div>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='mso-list:Ignore'>1.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>La informalidad en Armenia sigue un patr\u00f3n en\n&quot;U&quot;: cay\u00f3 fuertemente entre 2021 y 2024 (de 53,96% a 39,41%), pero\nrepunt\u00f3 en 2025 hasta 43,37%, revirtiendo cerca de 4 puntos porcentuales de la\nmejora lograda.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='mso-list:Ignore'>2.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Pese al repunte reciente, Armenia mantiene una posici\u00f3n\nrelativamente favorable frente a otras ciudades capitales del pa\u00eds, ubic\u00e1ndose\npor debajo del promedio de las 23 ciudades y A.M.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='mso-list:Ignore'>3.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>El mercado laboral de la ciudad es estructuralmente\ndual, con paridad casi exacta entre cuenta propia (informal por definici\u00f3n) y\nasalariado privado (formal), lo que hace que cualquier desaceleraci\u00f3n del\nempleo dependiente se traduzca r\u00e1pidamente en m\u00e1s informalidad.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='mso-list:Ignore'>4.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>El micronegocio es el epicentro de la informalidad: a\nnivel nacional, 84,7% de las microempresas son informales, y la estructura\nocupacional de Armenia sugiere un patr\u00f3n similar.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='mso-list:Ignore'>5.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>El crecimiento econ\u00f3mico departamental, aunque superior\nal promedio nacional, no ha sido suficiente por s\u00ed solo para frenar el repunte\nreciente de la informalidad, lo que apunta a la necesidad de pol\u00edticas\nespec\u00edficas de formalizaci\u00f3n m\u00e1s all\u00e1 del crecimiento agregado.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l1 level1 lfo4'><![if !supportLists]><span\nstyle='mso-list:Ignore'>6.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>La informalidad tiene efectos territoriales concretos,\nen particular la ocupaci\u00f3n de espacio p\u00fablico, que conecta este problema con la\nplaneaci\u00f3n urbana (POT) y no solo con la pol\u00edtica laboral.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>9. Recomendaciones<\/h1>\n\n<\/div>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l4 level1 lfo5'><![if !supportLists]><span\nstyle='mso-list:Ignore'>1.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Monitoreo trimestral de alerta temprana: hacer\nseguimiento al cambio interanual del trabajo por cuenta propia y del empleo\nasalariado privado, activando alertas cuando el cuenta propia crezca en m\u00e1s de\n2.000 personas y la informalidad acelere m\u00e1s de 2 p.p. en el cambio anual.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l4 level1 lfo5'><![if !supportLists]><span\nstyle='mso-list:Ignore'>2.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Meta de anclaje de informalidad: fijar una banda\nobjetivo de 39%-41% \u2014correspondiente al m\u00ednimo hist\u00f3rico reciente (2024)\u2014 como\nreferencia operativa para la pol\u00edtica p\u00fablica municipal.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l4 level1 lfo5'><![if !supportLists]><span\nstyle='mso-list:Ignore'>3.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Esquemas de formalizaci\u00f3n para micronegocios: explorar\nmecanismos como compras p\u00fablicas locales, microcr\u00e9dito formal y convenios con\ncajas de compensaci\u00f3n familiar, en un contexto donde la pr\u00f3xima reforma laboral\npodr\u00eda a\u00f1adir complejidad a este proceso.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l4 level1 lfo5'><![if !supportLists]><span\nstyle='mso-list:Ignore'>4.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Intermediaci\u00f3n laboral sectorial: priorizar servicios y\ncomercio, los sectores con mayor potencial de generaci\u00f3n de empleo asalariado\nformal en la ciudad.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l4 level1 lfo5'><![if !supportLists]><span\nstyle='mso-list:Ignore'>5.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Articulaci\u00f3n con el POT: avanzar en la habilitaci\u00f3n de\nzonas empresariales e industriales que permitan canalizar inversi\u00f3n formal y\nreducir la ocupaci\u00f3n informal del espacio p\u00fablico.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n6.0pt;margin-left:18.0pt;text-indent:-18.0pt;line-height:116%;mso-list:l4 level1 lfo5'><![if !supportLists]><span\nstyle='mso-list:Ignore'>6.<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Aprovechar el ciclo favorable departamental:\ncapitalizar el buen momento del caf\u00e9, el turismo y el comercio para impulsar\nformalizaci\u00f3n, en lugar de dejar que el crecimiento se traduzca autom\u00e1ticamente\nen m\u00e1s autoempleo informal.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>10. Actualizaci\u00f3n: mercado laboral Armenia, trimestre m\u00f3vil enero-marzo\n2026<\/h1>\n\n<\/div>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Con datos del trimestre m\u00f3vil enero-marzo 2026 (comparados contra\nenero-marzo 2025), el panorama laboral de Armenia muestra se\u00f1ales de deterioro\nque son relevantes para el seguimiento de la informalidad, aunque esta fuente\nno reporta la tasa de informalidad de forma directa:<\/p>\n\n<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=653\n style='width:489.6pt;border-collapse:collapse;border:none;mso-border-alt:solid windowtext .5pt;\n mso-yfti-tbllook:1184;mso-padding-alt:0cm .5pt 0cm .5pt;mso-border-insideh:\n .5pt solid windowtext;mso-border-insidev:.5pt solid windowtext'>\n <thead>\n  <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'>\n   <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n   mso-border-alt:solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Indicador<\/span><\/b><\/p>\n   <\/td>\n   <td width=118 valign=top style='width:88.25pt;border:solid windowtext 1.0pt;\n   border-left:none;mso-border-left-alt:solid windowtext .5pt;mso-border-alt:\n   solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Ene-Mar 2026<\/span><\/b><\/p>\n   <\/td>\n   <td width=118 valign=top style='width:88.25pt;border:solid windowtext 1.0pt;\n   border-left:none;mso-border-left-alt:solid windowtext .5pt;mso-border-alt:\n   solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Ene-Mar 2025<\/span><\/b><\/p>\n   <\/td>\n   <td width=124 valign=top style='width:93.1pt;border:solid windowtext 1.0pt;\n   border-left:none;mso-border-left-alt:solid windowtext .5pt;mso-border-alt:\n   solid windowtext .5pt;background:#1F3864;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n   <p class=MsoNormal align=center style='text-align:center'><b><span\n   style='font-size:10.0pt;color:white'>Diferencia<\/span><\/b><\/p>\n   <\/td>\n  <\/tr>\n <\/thead>\n <tr style='mso-yfti-irow:1'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>% poblaci\u00f3n en\n  edad de trabajar<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>83,2%<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>83,1%<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+0,1 p.p.<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:2'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Tasa Global de\n  Participaci\u00f3n (TGP)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>60,7%<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>60,3%<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+0,4 p.p.<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:3'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Tasa de\n  Ocupaci\u00f3n (TO)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>53,0%<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>53,9%<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>\u22121,0 p.p.<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:4'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Tasa de\n  Desocupaci\u00f3n (TD)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>12,7%<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>10,6%<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+2,1 p.p.<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:5'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Tasa de\n  Subocupaci\u00f3n (TS)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>5,8%<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>5,9%<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>\u22120,1 p.p.<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:6'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Poblaci\u00f3n total\n  (miles)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>319,0<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>315,5<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+3,5<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:7'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Poblaci\u00f3n en\n  edad de trabajar \u2014 PET (miles)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>265,6<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>262,3<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+3,2<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:8'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Fuerza de\n  trabajo (miles)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>161,2<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>158,3<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+2,9<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:9'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Poblaci\u00f3n\n  ocupada (miles)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>140,7<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>141,5<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>\u22120,8<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:10'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Poblaci\u00f3n\n  desocupada (miles)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>20,5<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>16,8<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+3,7<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:11'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Poblaci\u00f3n fuera\n  de la fuerza de trabajo (miles)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>104,4<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>104,1<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+0,3<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:12'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Poblaci\u00f3n\n  subocupada (miles)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>9,4<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>9,4<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>0,0<\/span><\/p>\n  <\/td>\n <\/tr>\n <tr style='mso-yfti-irow:13;mso-yfti-lastrow:yes'>\n  <td width=293 valign=top style='width:220.0pt;border:solid windowtext 1.0pt;\n  border-top:none;mso-border-top-alt:solid windowtext .5pt;mso-border-alt:solid windowtext .5pt;\n  padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal><span style='font-size:10.0pt;color:black'>Fuerza de\n  trabajo potencial (miles)<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>10,4<\/span><\/p>\n  <\/td>\n  <td width=118 valign=top style='width:88.25pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>9,4<\/span><\/p>\n  <\/td>\n  <td width=124 valign=top style='width:93.1pt;border-top:none;border-left:\n  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;\n  mso-border-top-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;\n  mso-border-alt:solid windowtext .5pt;padding:5.0pt 6.0pt 5.0pt 6.0pt'>\n  <p class=MsoNormal align=center style='text-align:center'><span\n  style='font-size:10.0pt;color:black'>+1,0<\/span><\/p>\n  <\/td>\n <\/tr>\n<\/table>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'><o:p>&nbsp;<\/o:p><\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'><b>Lectura de estas cifras: <\/b>El hallazgo m\u00e1s relevante es el deterioro\nmarcado de la tasa de desocupaci\u00f3n, que pas\u00f3 de 10,6% a 12,7% en un a\u00f1o (+2,1\np.p.), impulsado por un aumento de 3.700 personas desocupadas frente a una\nca\u00edda de 800 personas en la poblaci\u00f3n ocupada. Esto ocurre pese a que la fuerza\nde trabajo creci\u00f3 (+2.900 personas), es decir, m\u00e1s personas salieron a buscar\nempleo, pero el mercado no logr\u00f3 absorberlas.<\/p>\n\n<p class=MsoNormal style='margin-bottom:10.0pt;text-align:justify;line-height:\n125%'>Este comportamiento es consistente con la hip\u00f3tesis planteada en la\nsecci\u00f3n 3 de este informe: cuando el empleo formal (asalariado privado) no\ncrece al ritmo de la fuerza de trabajo, la presi\u00f3n se traslada hacia el\ndesempleo abierto o hacia el autoempleo informal como v\u00e1lvula de escape. La\npoblaci\u00f3n ocupada de 140,7 mil para el trimestre enero-marzo 2026 es\npr\u00e1cticamente id\u00e9ntica al promedio de 140,0 mil reportado para el primer\nsemestre de 2025 (secci\u00f3n 5), lo que sugiere que la ocupaci\u00f3n en Armenia est\u00e1 estancada,\nmientras que la oferta laboral (fuerza de trabajo) contin\u00faa creciendo.<\/p>\n\n<div style='mso-element:para-border-div;border:none;border-bottom:solid #1F3864 1.0pt;\npadding:0cm 0cm 4.0pt 0cm'>\n\n<h1>Fuentes<\/h1>\n\n<\/div>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>DANE. Gran Encuesta Integrada de Hogares (GEIH) \u2014\nMercado laboral, bolet\u00edn trimestre m\u00f3vil julio-septiembre 2025.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>DANE. Gran Encuesta Integrada de Hogares (GEIH) \u2014\nMercado laboral, Armenia, trimestre m\u00f3vil enero-marzo 2026.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Observatorio de Armenia, Secretar\u00eda de Hacienda\nMunicipal. Diagn\u00f3stico del problema de empleo, secci\u00f3n 5.2\/6.2.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>C\u00e1mara de Comercio de Armenia y del Quind\u00edo (CCAQ).\nMercado laboral \u2014 Cifras DANE, octubre de 2025.<\/p>\n\n<p class=MsoListParagraph style='margin-top:0cm;margin-right:0cm;margin-bottom:\n5.0pt;margin-left:21.0pt;text-indent:-13.0pt;line-height:116%;mso-list:l3 level1 lfo3'><![if !supportLists]><span\nstyle='mso-list:Ignore'>\u2022<span style='font:7.0pt \"Times New Roman\"'>&nbsp;&nbsp;&nbsp;\n<\/span><\/span><![endif]>Fedesarrollo. Declaraciones de Luis Fernando Mej\u00eda,\ndirector nacional, entrevista en Armenia, Quind\u00edo (2025).<\/p>\n\n<\/div>\n\n<\/body>\n\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>OBSERVATORIO DE ARMENIA Secretar\u00eda de Hacienda Municipal Econom\u00eda Informal en Armenia, Quind\u00edo Evoluci\u00f3n postpandemia y sectores cr\u00edticos Julio de 2026 &nbsp; Resumen ejecutivo La informalidad laboral contin\u00faa siendo el principal reto estructural del mercado de trabajo en Armenia. Aunque la ciudad se ubica sistem\u00e1ticamente por debajo del promedio de informalidad<\/p>\n<div class=\"continue-reading-wrapper\"><a href=\"https:\/\/observatorioarmenia.org\/site\/observatorio-economico-la-informalidad-laboral-en-armenia-2026\/\" class=\"continue-reading\">Ampliar informaci\u00f3n<i class=\"ion-ios-arrow-right\"><\/i><\/a><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8141","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/posts\/8141","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/comments?post=8141"}],"version-history":[{"count":1,"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/posts\/8141\/revisions"}],"predecessor-version":[{"id":8142,"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/posts\/8141\/revisions\/8142"}],"wp:attachment":[{"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/media?parent=8141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/categories?post=8141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/observatorioarmenia.org\/site\/wp-json\/wp\/v2\/tags?post=8141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}