El microcrédito como fuente de financiamiento para la asociación de comerciantes minoristas del cantón Jipijapa
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Fecha
2018
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Universidad de Guayaquil Facultad de Ciencias Administrativas
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La Asociación de Comerciantes Minoristas del Cantón Jipijapa cuenta con 78 socios oficiales, cuyo fin es el de apoyarse como grupo y solucionar los problemas que ocurran en su labor diaria de comercio. Los pequeños comerciantes optan por diferentes medidas para obtener sus fondos, accediendo a los microcréditos como fuente de financiamiento. En el cantón Jipijapa las microfinanzas son importantes para el desarrollo económico, en la Asociación de Comerciantes Minoristas del Cantón, existe cierta particularidad, como es el mal manejo de los fondos otorgados por las instituciones financieras lo que provoca el sobreendeudamiento dando como resultado un mal récord crediticio. Se realizó una investigación documental, bajo el método de lectura comprensiva se ha consultado sobre la historia y desarrollo del microcrédito moderno, microcrédito en Ecuador y Manabí. Además, se efectuaron encuestas y entrevistas para evidenciar los problemas que poseen los socios. Posteriormente se propuso diseñar un plan de educación financiera para la Asociación de Comerciantes Minorista.
The Association of Retail Merchants of Jipijapa city has 78 official partners, whose purpose is to support each other as a group and solve the problems that occur in their daily business. The small merchants opt for different measures to obtain their funds, accessing the microloans as a source of financing. In Jipijapa microfinance is important for economic development, in the Association of retailers of the canton, there is a certain peculiarity, as is the mismanagement of funds granted by financial institutions which causes over-indebtedness resulting in a bad record credit. A documentary research was carried out under the comprehensive reading method. The history and development of modern microcredit, microcredit in Ecuador and Manabí has been consulted. In addition, surveys and interviews were conducted to show the problems that the partners have. Subsequently, it was proposed to design a financial training plan for the Association of Retail Merchants.
The Association of Retail Merchants of Jipijapa city has 78 official partners, whose purpose is to support each other as a group and solve the problems that occur in their daily business. The small merchants opt for different measures to obtain their funds, accessing the microloans as a source of financing. In Jipijapa microfinance is important for economic development, in the Association of retailers of the canton, there is a certain peculiarity, as is the mismanagement of funds granted by financial institutions which causes over-indebtedness resulting in a bad record credit. A documentary research was carried out under the comprehensive reading method. The history and development of modern microcredit, microcredit in Ecuador and Manabí has been consulted. In addition, surveys and interviews were conducted to show the problems that the partners have. Subsequently, it was proposed to design a financial training plan for the Association of Retail Merchants.
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EDUCACIÓN FINANCIERA, AHORRO, MICROCRÉDITOS, EMPRENDEDORES