La educación financiera de las pymes y su vinculación con las instituciones financieras
Fecha
2016-09-16
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Universidad de Guayaquil Facultad de Ciencias Económicas
Resumen
En la actualidad, las Pymes necesitan de las Instituciones Financieras para utilizar los Servicios Financieros, como por ejemplo: las cuentas, los cheques, las transferencias, pagos de nómina, proveedores. Todos los Servicios a fin de estar bancarizado y hacer muchas de las transacciones sin acercarse a las oficinas de la Banca, no obstante, de acuerdo a la investigación plasmada en el presente trabajo, existe desconocimiento por parte de las Pymes al momento de solicitar un financiamiento y en muchos de los casos la empresa es buena, pero la recolección documentos (proporcionados por las Pymes) no son de lo mejor y la respuesta por parte de la Banca es negativa. La relación entre las pymes y las Instituciones Financieras desde hace mucho tiempo es importante y es conveniente que esta conexión sea mantenida. Al final del camino ambos son actores principales de la economía de los países. A través del presente trabajo se evidenciará si es necesario o no la Educación Financiera para las empresas pequeñas y medianas empresas; a través de las entrevistas tanto a las pequeñas como a las medianas empresas, así como también a las Instituciones Financieras. Será importante conocer los pensamientos de las Pymes sobre la Banca, de igual manera los parámetros que mantiene actualmente las Instituciones Financieras.
At present, SMEs require financial institutions to use financial services, such as: accounts, checks, transfers, payroll, suppliers. All services to be unbanked and do many transactions without approaching the offices of the Bank, however, according to it research embodied in the present work, exists ignorance from them SMEs to the time of request a financing and in many of them cases the company is good, but the collection documents (provided by them SMEs) not are of it best and the response from the banking is negative. The relationship between the SMEs and the financial institutions for a long time is important and is convenient that this connection is maintained. At the end of the road, both are major players in the economies of the countries. Through this work it will be evident if financial education is necessary or not for small and medium enterprises; through interviews both small and midsize businesses, as well as Financial Institutions. It will be important to know the thoughts of SMEs on the banking, equally parameters currently maintained by financial institutions.
At present, SMEs require financial institutions to use financial services, such as: accounts, checks, transfers, payroll, suppliers. All services to be unbanked and do many transactions without approaching the offices of the Bank, however, according to it research embodied in the present work, exists ignorance from them SMEs to the time of request a financing and in many of them cases the company is good, but the collection documents (provided by them SMEs) not are of it best and the response from the banking is negative. The relationship between the SMEs and the financial institutions for a long time is important and is convenient that this connection is maintained. At the end of the road, both are major players in the economies of the countries. Through this work it will be evident if financial education is necessary or not for small and medium enterprises; through interviews both small and midsize businesses, as well as Financial Institutions. It will be important to know the thoughts of SMEs on the banking, equally parameters currently maintained by financial institutions.
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PYMES, INSTITUCIONES, EDUCACIÓN, CRÉDITO