Alternativas de financiamiento para emprendedores en la ciudad de Guayaquil
Fecha
2018
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
La ciudad de Guayaquil, es una urbe eminentemente comercial, en la que tradicionalmente la actividad empresarial se ha constituido como su principal motor económico. La crónica dificultad de acceder a microcréditos de inversión en condiciones favorables, hace que muchas personas con el ímpetu de generar ganancias a través de sus propios emprendimientos, abandonen sus proyectos. En este escenario se plantea la necesidad de conducir un análisis técnico para evaluar las posibilidades de financiamiento para los micro y pequeños emprendimientos que se ofertan en la ciudad de Guayaquil, así como sus características condiciones y requerimientos a fin de proveer a los emprendedores de una fuente sólida y confiable de información, que les permita tomar óptimas decisiones financieras. Como objetivo general, se plantea Determinar las mejores alternativas de financiamiento para los micros y pequeños emprendedores de la ciudad de Guayaquil en el periodo 2017. En cuanto al tipo de investigación propuesto, se señala que es descriptiva, y también se considera como documental. Entre las principales conclusiones, se tiene que, para el inicio de la actividad empresarial, así como para su óptimo desarrollo, el factor financiero es un absolutamente necesario, y su disponibilidad (o carencia), incide directamente en las oportunidades de éxito corporativo. Adicionalmente, que el precio del capital se refleja en las tasas de interés, y cuando el capital es abundante, las tasas de interés tienden a bajar, mientras que cuando el capital es escaso las tasas de interés tienden a subir. Finalmente, que existe una crónica dificultad de acceder a microcréditos de inversión en condiciones favorables, lo que hace que muchas personas abandonen sus emprendimientos.
The city of Guayaquil is an eminently commercial city, in which business activity has traditionally been established as its main economic engine. The chronic difficulty of accessing investment microcredit under favorable conditions means that many people, with the impetus to generate profits through their own ventures, abandon their projects. This scenario raises the need to conduct a technical analysis to evaluate the financing possibilities for the micro and small enterprises that are offered in the city of Guayaquil, as well as their characteristics and requirements in order to provide entrepreneurs with a source solid and reliable information, which allows them to make optimal financial decisions. As a general objective, it is proposed to determine the best financing alternatives for micro and small entrepreneurs in the city of Guayaquil in the 2017 period. Regarding the type of research proposed, it is indicated that it is descriptive, and also considered as documentary. Among the main conclusions, it is necessary for the start of the business activity, as well as for its optimal development, the financial factor is absolutely necessary, and its availability (or lack), directly affects the opportunities for corporate success. Additionally, the price of capital is reflected in interest rates, and when capital is abundant, interest rates tend to fall, while when capital is scarce, interest rates tend to rise. Finally, there is a chronic difficulty in accessing investment microcredit under favorable conditions, which causes many people to abandon their ventures.
The city of Guayaquil is an eminently commercial city, in which business activity has traditionally been established as its main economic engine. The chronic difficulty of accessing investment microcredit under favorable conditions means that many people, with the impetus to generate profits through their own ventures, abandon their projects. This scenario raises the need to conduct a technical analysis to evaluate the financing possibilities for the micro and small enterprises that are offered in the city of Guayaquil, as well as their characteristics and requirements in order to provide entrepreneurs with a source solid and reliable information, which allows them to make optimal financial decisions. As a general objective, it is proposed to determine the best financing alternatives for micro and small entrepreneurs in the city of Guayaquil in the 2017 period. Regarding the type of research proposed, it is indicated that it is descriptive, and also considered as documentary. Among the main conclusions, it is necessary for the start of the business activity, as well as for its optimal development, the financial factor is absolutely necessary, and its availability (or lack), directly affects the opportunities for corporate success. Additionally, the price of capital is reflected in interest rates, and when capital is abundant, interest rates tend to fall, while when capital is scarce, interest rates tend to rise. Finally, there is a chronic difficulty in accessing investment microcredit under favorable conditions, which causes many people to abandon their ventures.
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FUENTE DE FINANCIAMIENTO, COMPETITIVIDAD EMPRESARIAL, INVERSION DIRECTA