Análisis del microcrédito en el sector comercial de la ciudad de Guayaquil, período 2013-2017
Fecha
2019-04-26
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Universidad de Guayaquil. Facultad de Ciencias Económicas
Resumen
El microcrédito constituye una herramienta de gran importancia a nivel mundial, ya que contribuye a mejorar las condiciones del sector empresarial y a la vez genera nuevos empleos. En el Ecuador el acceso al microcrédito ha sido una limitante para los emprendedores y/o empresarios al momento de constituir una pequeña o mediana empresa (Pymes), ya que son muchos los requisitos dispuestos por las instituciones del sistema financiero nacional para acceder a esta línea de crédito, adicionalmente gran parte de estas personas que recién inician en el ámbito empresarial no son agentes de crédito por lo que este segmento de crédito es otorgado a empresas ya constituidas. El presente trabajo de titulación tiene como objetivo analizar el microcrédito en el sector comercial de la ciudad de Guayaquil. La metodología implementada en el desarrollo de esta investigación es un análisis cuantitativo realizado a través de una encuesta y de información de fuentes públicas y/o privadas relacionadas al microcrédito. Los resultados de la encuesta muestran que el microcrédito es destinado a Pymes ya constituidas por tanto las nuevas empresas se constituyen con ahorros propios y ayuda familiar e incluso con préstamos informales
Microcredit is a tool of great importance worldwide, since it contributes to improving the conditions of the business sector and at the same time generates new jobs. In Ecuador, access to microcredit has been a limitation for entrepreneurs and / or entrepreneurs at the time of setting up a small or medium-sized enterprise, as there are many requirements set by the institutions of the national financial system to access this line In addition, a large part of these people who have just started in the business sector are not credit agents, so this segment of credit is granted to already established companies. The objective of this titration work is to analyze microcredit in the commercial sector of the city of Guayaquil. The methodology implemented for the study of this research was carried out through a survey and information from public and / or private sources related to microcredit. The result of the research shows that the microcredit is intended for SMEs already established, therefore the new companies are constituted with their own savings and family help and even with informal loans.
Microcredit is a tool of great importance worldwide, since it contributes to improving the conditions of the business sector and at the same time generates new jobs. In Ecuador, access to microcredit has been a limitation for entrepreneurs and / or entrepreneurs at the time of setting up a small or medium-sized enterprise, as there are many requirements set by the institutions of the national financial system to access this line In addition, a large part of these people who have just started in the business sector are not credit agents, so this segment of credit is granted to already established companies. The objective of this titration work is to analyze microcredit in the commercial sector of the city of Guayaquil. The methodology implemented for the study of this research was carried out through a survey and information from public and / or private sources related to microcredit. The result of the research shows that the microcredit is intended for SMEs already established, therefore the new companies are constituted with their own savings and family help and even with informal loans.
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SECTOR DE LA CONSTRUCCIÓN, SECTOR INMOBILIARIO, DERECHO A LA CIUDAD, VIVIENDA SOCIAL