Asesoramiento a los microempresarios del Mercado Caraguay de la ciudad de Guayaquil para el acceso a líneas de créditos en las entidades financieras
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Fecha
2013
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Universidad de Guayaquil, Facultad de Ciencia Administrativas
Resumen
La presente Tesis permitirá difundir conocimientos relacionados a la importancia de las líneas de créditos en el crecimiento de los negocios, los lineamientos exigidos por las entidades financieras, así como las ventajas de acceder a líneas de créditos, de tal forma que una vez realizado el asesoramiento sus resultados puedan medirse y analizarse conllevando a que su aplicabilidad se extienda a otros mercados de la ciudad. Para que pueda darse el asesoramiento a los microempresarios, es necesario el desarrollo de un programa de asesoramiento cuyo objetivo general estará encaminado a conocer, comparar y evaluar los diferentes productos crediticios que ofrecen las entidades financieras públicas y privadas del país, así como los distintos documentos y requisitos exigidos por ellas, al igual que sus mecanismos utilizados durante el proceso de
otorgamiento de créditos, como vía de financiamiento para el desarrollo micro-empresarial. El asesoramiento estará destinado o dirigido a todos los microempresarios hombres y mujeres de los mercados y zonas de comercio debidamente regulados por la Dirección de Aseo Cantonal, Mercados y Servicios Especiales de la Muy Ilustre Municipalidad de Guayaquil, y que se encuentran motivados a conocer los diferentes mecanismos, documentos, requisitos y otros que se incluyen dentro del
proceso para acceder a los productos crediticios ofrecidos por las entidades financieras públicas y/o privadas como fuente de financiamiento para el desarrollo de sus negocios. Brindar asesoramiento es
fundamental en la búsqueda para lograr el cumplimiento de leyes, reglamentos, normativas, etc., puesto que permite obtener como resultado en este caso, la regularización de los microempresarios en aspectos tributarios, financieros y legales, percibiendo el Estado nuevos réditos por impuestos así como un mayor control de estas unidades económicas.
This thesis will disseminate knowledge related to the importance of credit lines of business growth, the guidelines required by financial institutions as well as the advantages of access to lines of credit, so that once the advice its results can be measured and analyzed leading to its applicability extends to other markets in the city. For that can give advice to entrepreneurs, it is necessary to develop a mentoring program whose overall objective will aim to find, compare and evaluate different loan products offered by public and private financial institutions in the country, and the various documents and requirements of them, like their mechanisms used during the lending process as a way of financing for micro-enterprise development. Advice is intended or directed to all men and women micro entrepreneurs markets and trading areas properly regulated by the Department of Cantonal WC, Markets and the Very Special Services Municipality of Guayaquil, and are motivated to learn about different mechanisms, documents, and other requirements that are included in the process to access the credit products offered by public financial institutions and / or private funding source for the development of their businesses. Providing advice is essential in the search for achieving compliance with laws, regulations, rules, etc.., since it allows obtaining results in this case, regularization of micro entrepreneurs in tax issues, financial and legal, sensing the new state revenues by taxes and greater control of these economic units.
This thesis will disseminate knowledge related to the importance of credit lines of business growth, the guidelines required by financial institutions as well as the advantages of access to lines of credit, so that once the advice its results can be measured and analyzed leading to its applicability extends to other markets in the city. For that can give advice to entrepreneurs, it is necessary to develop a mentoring program whose overall objective will aim to find, compare and evaluate different loan products offered by public and private financial institutions in the country, and the various documents and requirements of them, like their mechanisms used during the lending process as a way of financing for micro-enterprise development. Advice is intended or directed to all men and women micro entrepreneurs markets and trading areas properly regulated by the Department of Cantonal WC, Markets and the Very Special Services Municipality of Guayaquil, and are motivated to learn about different mechanisms, documents, and other requirements that are included in the process to access the credit products offered by public financial institutions and / or private funding source for the development of their businesses. Providing advice is essential in the search for achieving compliance with laws, regulations, rules, etc.., since it allows obtaining results in this case, regularization of micro entrepreneurs in tax issues, financial and legal, sensing the new state revenues by taxes and greater control of these economic units.
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Asesoramiento, Crédito, Microempresarios, Uusura, Interés, Entidades financieras