Análisis del crédito productivo MIPYMES en Guayaquil y su aporte al crecimiento económico durante 2014-2017
Fecha
2019-09-16
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Universidad de Guayaquil. Facultad de Ciencias Económicas
Resumen
El crédito productivo es la colocación de recursos que serán destinados a financiar actividades productivas de alguna organización o institución que lo requiera. La necesidad de financiamiento del sector MIPYMES es insuficiente, debido a que la mayor parte de este está conformado en el sector informal, y los propietarios no cuentan con recursos para formalizar, sino más bien, siempre buscan evadir estos requisitos. El objetivo de la presente investigación fue “describir el crédito productivo MIPYMES en Guayaquil y su incidencia en el crecimiento económico, periodo 2014-2017”. Las técnicas para las recolecciones de datos es la revisión documental; y las técnicas de análisis de datos son la visualización de datos y el análisis descriptivo. Se obtuvo información de la Superintendencia de Bancos del Ecuador, Superintendencia de Compañías, Valores, y Seguros, Banco Central del Ecuador, y Servicio de Rentas Internas. Se concluye que el crédito productivo MIPYMES es muy importante para el desarrollo empresarial, y por ende incide en el crecimiento económico de la ciudad, tal como se mostró mediante el índice de intermediación financiera durante el período.
Productive credit is the placement of resources that will be used to finance productive activities of any organization or institution that requires. The need for financing of the MIPYMES sector is insufficient, because most of it is formed in the informal sector, and the owners do not have the resources to formalize, but rather, they always seek to avoid these requirements. The objective of the present investigation was "to describe the productive credit MIPYMES in Guayaquil and its impact on economic growth, 2014-2017 period". The techniques for data collection is documentary review; and data analysis techniques are data visualization and descriptive analysis. Information was obtained from the Superintendence of Banks of Ecuador, Superintendence of Companies, Securities, and Insurance, Central Bank of Ecuador, and Internal Revenue Service. It is concluded that the MIPYMES productive credit is very important for business development, and therefore affects the economic growth of the city, as shown by the financial intermediation index during the period
Productive credit is the placement of resources that will be used to finance productive activities of any organization or institution that requires. The need for financing of the MIPYMES sector is insufficient, because most of it is formed in the informal sector, and the owners do not have the resources to formalize, but rather, they always seek to avoid these requirements. The objective of the present investigation was "to describe the productive credit MIPYMES in Guayaquil and its impact on economic growth, 2014-2017 period". The techniques for data collection is documentary review; and data analysis techniques are data visualization and descriptive analysis. Information was obtained from the Superintendence of Banks of Ecuador, Superintendence of Companies, Securities, and Insurance, Central Bank of Ecuador, and Internal Revenue Service. It is concluded that the MIPYMES productive credit is very important for business development, and therefore affects the economic growth of the city, as shown by the financial intermediation index during the period
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EMPRESAS DEL ECUADOR, SECTORES PRODUCTIVOS, SISTEMA FINANCIERO NACIONAL, EMPLEO