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Business integration as an associative strategy to improve competitiveness in an increasingly globalized environment allows us to take advantage of synergies to achieve common objectives and maximize the generation of value in its stakeholders. The article aims to analyze the perception of the variables of business integration, under the cluster modality in Antioquia credit institutions, as financial leverage to improve the competitiveness of its sector and region. The technique used was the of content analysis, through the documentary review and the interview as a quantitative tool. Five variables of business integration are highlighted: territorial development, market, operation, business objectives and regulations, which shows that territorial development is the variable most used to strengthen relations with its customers and does not identify financial products of credits directed to cluster, to obtain differentiated financing in the market.

Percepción de la integración empresarial bajo la modalidad clúster en los establecimientos de crédito de Antioquia