Desarrollo de una plataforma crowdfunding para financiamiento de las Pymes de Guayaquil
Fecha
2018
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
El objetivo de este proyecto de investigación es dar a conocer una alternativa de financiamiento llamado Crowdfunding o financiamiento en masas, con el fin de que los pequeños emprendedores pongan en marcha sus ideas o negocio. En la actualidad las PYMES tienen dificultades para ingresar a un programa de financiamiento ya que las instituciones financieras imponen una serie de requisitos y tasas altas de interés, lo que impide que lleven a cabo sus proyectos. Por esta razón surgió la idea de implementar una plataforma Crowdfunding que sirva de fuente de financiamiento para los pequeños y medianos emprendedores de Guayaquil. La metodología empleada explica la importancia de los métodos utilizados para la obtención de los datos, en este caso se realizaron encuestas a empresarios los cuales están de acuerdo con la creación de una fuente de financiamiento no tradicional. En conclusión, las plataformas Crowdfunding brindan un aporte significativo en el sector financiero nacional, debido a que contribuye a la creación de pequeñas y medianas empresas dando apertura a capitales privados propios y sin necesidad de cumplir con grandes exigencias y requisitos impuestos por las fuentes tradicionales de financiamiento, teniendo como resultado nuevas fuentes de trabajo para el desarrollo económico del país al ser un modelo de financiamiento innovador.
The objective of this research project is to know an alternative of the funds of Crowdfunding, in which small entrepreneurs put their ideas or business in action. At present, SMEs have difficulties to enter a financing program since financial institutions impose a series of requirements and high interest rates, what prevents them from carrying out their projects. For this reason, came up the idea of implementing a Crowdfunding platform that serves as a source for the small and medium entrepreneurs of Guayaquil. The methodology used explains the importance of the methods used to get the information, in this case, surveys were carried out to entrepreneurs and they agree with the creation of a financing source no traditional, In conclusion, Crowdfunding platforms offer important potential in the national financial sector, because they contribute to the creation of small and medium enterprises that are open to private capital and without having to meet the high demands and requirements imposed by traditional sources of financing, resulting in new sources of work for the economic development of the country to be a model of innovation.
The objective of this research project is to know an alternative of the funds of Crowdfunding, in which small entrepreneurs put their ideas or business in action. At present, SMEs have difficulties to enter a financing program since financial institutions impose a series of requirements and high interest rates, what prevents them from carrying out their projects. For this reason, came up the idea of implementing a Crowdfunding platform that serves as a source for the small and medium entrepreneurs of Guayaquil. The methodology used explains the importance of the methods used to get the information, in this case, surveys were carried out to entrepreneurs and they agree with the creation of a financing source no traditional, In conclusion, Crowdfunding platforms offer important potential in the national financial sector, because they contribute to the creation of small and medium enterprises that are open to private capital and without having to meet the high demands and requirements imposed by traditional sources of financing, resulting in new sources of work for the economic development of the country to be a model of innovation.
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Palabras clave
FINANCIAMIENTO, CROWDFUNDING, EMPRENDEDORES, MODELO DE NEGOCIO