Análisis del microcrédito como herramienta financiera para el desarrollo micro-empresarial del Mercado Central de Guayaquil
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2017
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
El presente proyecto de investigación contiene el análisis del microcrédito como
herramienta financiera para el desarrollo y sostenibilidad de los microempresarios del
Mercado Central de Guayaquil , la investigación se la realizó con el fin de indagar sobre las
causas y consecuencias del desconocimiento que tienen en cuanto a los microcréditos los
micro-empresarios del Mercado Central de Guayaquil y cómo se debe aprovechar de forma
positiva esta herramienta para lo cual se desarrolló el análisis del proyecto con el fin de
conocer el estado actual a través de los microcréditos, es por ello que el objetivo de la
investigación es “Analizar el microcrédito como herramienta financiera, y su incidencia en
el desarrollo micro-empresarial en el Mercado Central de Guayaquil”, para lo cual se utiliza
una metodología descriptiva y de campo de un pequeño grupo de microempresarios del
Mercado Central de Guayaquil que han sido beneficiados y que constantemente tienen el
interés del microcrédito. Se estableció un boceto de preguntas para las encuestas en donde
cada microempresario indica su proceder y conocimiento hacia los microcréditos. La
hipótesis planteada a los usuarios si el microcrédito como herramienta financiera, impulsara
el desarrollo micro-empresarial en el Mercado Central de Guayaquil. Es aceptada porque
contribuye al crecimiento y desarrollo de los microempresarios al acceder a un microcrédito
a través de una institución financiera. Se concluye que la necesidad de la educación
financiera es primordial para los microempresarios dentro del Mercado Central de
Guayaquil, además buscar maneras de capacitarlos constantemente sobre temas
relacionados al sistema financiero.
Palabra clave: Educación Financiera, Crecimiento, Microcrédito, Desarrollo.
The present research project contains the analysis of micro-credit as a financial tool for the development and sustainability of micro-entrepreneurs in the Central Market of Guayaquil, the investigation is conducted in order to investigate the causes and consequences of the lack of awareness as to the micro-micro-entrepreneurs in the Central Market of Guayaquil and how to take advantage of positive way this tool for which we developed the analysis of the project in order to know the current status through microcredit, which is why the objective of this research is to "analyze the microcredit as a financial tool, and its incidence in the micro-enterprise development in the Central Market of Guayaquil", for Which is used a descriptive methodology and field of a small group of entrepreneurs in the Central Market of Guayaquil that have been benefited and that constantly have the interest of microcredit. Established a sketch of questions for surveys where each micro-entrepreneur indicates your proceed and knowledge to microcredit. The hypothesis to users if the microcredit as a financial tool, will boost the micro-enterprise development in the Central Market of Guayaquil, is accepted because it contributes to the growth and development of the micro-entrepreneurs to access a micro-loan through a financial institution. It is concluded that the need for financial education is paramount to the micro-entrepreneurs in the Central Market of Guayaquil, in addition to seek ways of training them constantly on issues related to the financial system
The present research project contains the analysis of micro-credit as a financial tool for the development and sustainability of micro-entrepreneurs in the Central Market of Guayaquil, the investigation is conducted in order to investigate the causes and consequences of the lack of awareness as to the micro-micro-entrepreneurs in the Central Market of Guayaquil and how to take advantage of positive way this tool for which we developed the analysis of the project in order to know the current status through microcredit, which is why the objective of this research is to "analyze the microcredit as a financial tool, and its incidence in the micro-enterprise development in the Central Market of Guayaquil", for Which is used a descriptive methodology and field of a small group of entrepreneurs in the Central Market of Guayaquil that have been benefited and that constantly have the interest of microcredit. Established a sketch of questions for surveys where each micro-entrepreneur indicates your proceed and knowledge to microcredit. The hypothesis to users if the microcredit as a financial tool, will boost the micro-enterprise development in the Central Market of Guayaquil, is accepted because it contributes to the growth and development of the micro-entrepreneurs to access a micro-loan through a financial institution. It is concluded that the need for financial education is paramount to the micro-entrepreneurs in the Central Market of Guayaquil, in addition to seek ways of training them constantly on issues related to the financial system
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EDUCACION FINANCIERA, CRECIMIENTO, MICROCREDITO, DESARROLLO