Análisis del impacto de microcréditos otorgados por instituciones financieras a emprendedores del cantón El Triunfo 2015-2017
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2019
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Universidad de Guayaquil Facultad de Ciencias Administrativas
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En el cantón El Triunfo, las microfinanzas son parte importante para el desarrollo socioeconómico del mismo, existen muchos emprendedores entre nacientes y nuevos los que nos motivó a plantear esta investigación, la cual tiene como objetivo: Analizar el impacto de los microcréditos otorgados por Instituciones Financieras en el cantón El Triunfo a emprendedores en el periodo 2015 – 2017. La metodología aplicada en la investigación es de campo ya que los datos son obtenidos directamente del objeto de estudio, utilizando el método explicativo como eje principal de la investigación, complementando con el método descriptivo que permitirá observar la realidad del negocio emprendido cuyo financiamiento ha sido otorgado por Instituciones Financieras, además del uso del método deductivo que parte de un total a un sector determinado en este caso el cantón El Triunfo. Los resultados de la investigación mostraron que el impacto de los microcréditos otorgado a los emprendedores del cantón El Triunfo fue positivo ya que sus ingresos incrementaron, generaron mayor liquidez en su actividad económica, generaron plazas de empleo, y de esta manera contribuyeron con el desarrollo económico del cantón.
In The Triunfo canton, micro finances are an important part of the socioeconomic development of the same, there are many entrepreneurs between nascent and new that motivated us to propose this research, which aims to: Analyze the impact of microcredits granted by institutions Financial in The Triunfo canton to entrepreneurs in the period 2015 - 2017. The methodology applied in the research is field since the data are obtained directly from the object of study, using the explanatory method as the main axis of the investigation, complementing with the descriptive method that will allow to observe the reality of the business undertaken whose financing has been granted by Financial Institutions, in addition to the use of the deductive method that starts from a total to a determined sector in this case The Triunfo canton. The results of the research showed that the impact of the microcredits granted to the entrepreneurs of The Triunfo canton was positive since their income increased, generated more liquidity in their economic activity, they generated employment positions, and in this way they contributed to the economic development of The Canton.
In The Triunfo canton, micro finances are an important part of the socioeconomic development of the same, there are many entrepreneurs between nascent and new that motivated us to propose this research, which aims to: Analyze the impact of microcredits granted by institutions Financial in The Triunfo canton to entrepreneurs in the period 2015 - 2017. The methodology applied in the research is field since the data are obtained directly from the object of study, using the explanatory method as the main axis of the investigation, complementing with the descriptive method that will allow to observe the reality of the business undertaken whose financing has been granted by Financial Institutions, in addition to the use of the deductive method that starts from a total to a determined sector in this case The Triunfo canton. The results of the research showed that the impact of the microcredits granted to the entrepreneurs of The Triunfo canton was positive since their income increased, generated more liquidity in their economic activity, they generated employment positions, and in this way they contributed to the economic development of The Canton.
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MICROFINANZAS, INCLUSIÓN FINANCIERA, MICROCRÉDITO, EMPRENDEDORES