Análisis sobre el manejo financiero de microempresarios en el sector panadero de la ciudad de Quevedo
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2019
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Universidad de Guayaquil Facultad de Ciencias Administrativas
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En el siguiente proyecto de investigación tiene como finalidad analizar “El Microcrédito a los Productores del Cacao en el Sector Virgen de Fátima año 2015-2017” el proyecto se basa en la investigación acerca de los microcréditos en el sector rural con la finalidad de conocer las ventajas, desventajas, en que lo utilizan, el desconocimiento por parte de las personas y conocer si poseen conocimientos financieros básicos en el manejo del negocio. Los microcréditos son una herramienta importante para el financiamiento agrícola permitiendo más ingresos a los agricultores. El objetivo principal del proyecto es analizar el uso del microcrédito en los productores cacaoteros en el sector de Virgen de Fátima entre los resultados principales se observó que las personas al obtener un microcrédito el capital lo utilizarían en materia prima o insumos que es una de las necesidades más importante en el sector cacaotero. En el proyecto se aplicó la metodología de la investigación descriptiva y de campo donde se realizó entrevista, encuesta a 56 personas, las cuales nos brindaron información oportuna para el trabajo de investigación donde se preguntó si una capacitación financiera básica ayudaría en el manejo de su negocio dando como resultados la aceptación por parte de los productores contribuyendo en el conocimiento y desarrollo para sus negocios. Las instituciones financieras a través de la otorgación de un microcrédito contribuyen al crecimiento del sector cacaotero aportando más en la producción de cacao. Se concluye implementar una capacitación financiera básica a los productores cacaoteros del sector Virgen de Fátima.
The purpose of the following research project is to analyze "The Microcredit to Cocoa Producers in the Virgin of Fatima Sector 2015-2017". The project is based on research about microcredit in the rural sector in order to know the advantages, disadvantages, in which they use it, ignorance on the part of people and knowing if they have basic financial knowledge in the management of the business. Micro-credits are an important tool for agricultural financing, allowing more income for farmers. The main objective of the project is to analyze the use of microcredit in the cocoa producers in the Virgen de Fátima sector. Among the main results, it was observed that when people obtain a microcredit, capital would use it in raw material or supplies, which is one of the needs most important in the cocoa sector. In the project we applied the descriptive and field research methodology where an interview was conducted, a survey of 56 people, who provided us with timely information for the research work, asking if a basic financial training would help in the management of their business giving as results the acceptance by the producers contributing in the knowledge and development for their businesses. Financial institutions through the granting of a microcredit contribute to the growth of the cocoa sector by contributing more in the production of cocoa. It is concluded to implement a basic financial training to cocoa producers in the Virgin sector of Fatima.
The purpose of the following research project is to analyze "The Microcredit to Cocoa Producers in the Virgin of Fatima Sector 2015-2017". The project is based on research about microcredit in the rural sector in order to know the advantages, disadvantages, in which they use it, ignorance on the part of people and knowing if they have basic financial knowledge in the management of the business. Micro-credits are an important tool for agricultural financing, allowing more income for farmers. The main objective of the project is to analyze the use of microcredit in the cocoa producers in the Virgen de Fátima sector. Among the main results, it was observed that when people obtain a microcredit, capital would use it in raw material or supplies, which is one of the needs most important in the cocoa sector. In the project we applied the descriptive and field research methodology where an interview was conducted, a survey of 56 people, who provided us with timely information for the research work, asking if a basic financial training would help in the management of their business giving as results the acceptance by the producers contributing in the knowledge and development for their businesses. Financial institutions through the granting of a microcredit contribute to the growth of the cocoa sector by contributing more in the production of cocoa. It is concluded to implement a basic financial training to cocoa producers in the Virgin sector of Fatima.
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MICROCRÉDITO, VIRGEN DE FÁTIMA, PRODUCTORES, CACAO