Laq Educación financiera como elemento de crecimiento para los microemprendedores en el cantón Guayaquil, período 2013-2018
Fecha
2020-04
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Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
En el presente trabajo de investigación, se realizó entrevistas a los emprendimientos de los talleres
de mecánica automotriz tomado como muestra la parroquia Ximena sur de la ciudad de Guayaquil,
nos pudimos dar cuenta que las personas encargadas de la administración tienen carencia de una
cultura financiera el cual no permite que estos crezcan como empresa, por ello planteamos como
objetivo general, elaborar una propuesta teórica practica para mejorar y dar respuesta a la
problemática actual existente en los microemprendimientos del Cantón Guayaquil; fue discutida con
sustentos teóricos, herramientas de fuente primaria y secundaria; utilizando una metodología
descriptiva, inductiva, cuali-cuantitativo en donde se afirma que sin una correcta educación
financiera los negocios llegan a fracasar, debido a la falta de conocimientos básicos como la
importancia del ahorro, los diferentes productos y servicios financieros que las instituciones
bancarias ofrecen. Se propuso con un plan de acción hacer llegar a las personas acerca de los cursos
gratis que imparte las instituciones financieras sobre la educación financiera con la finalidad de que
no fracasen los microemprendedores en el cantón Guayaquil.
In the present research work, interviews were conducted to the undertakings of the automotive mechanics workshops taken as shown by the Ximena parish south of the city of Guayaquil, we could realize that the people in charge of the administration lack a financial culture. which does not allow them to grow as a company, so we propose as a general objective, to elaborate a practical theoretical proposal to improve and respond to the current problem in the micro enterprises of the Guayaquil Canton; it was discussed with theoretical support, primary and secondary source tools; using a descriptive, inductive, qualitative-quantitative methodology where it is affirmed that without a proper financial education businesses fail, due to the lack of basic knowledge such as the importance of savings, the different financial products and services offered by banking institutions . It was proposed with an action plan to get people about the free courses offered by financial institutions on financial education in order not to fail the entrepreneurial micros in the canton Guayaquil
In the present research work, interviews were conducted to the undertakings of the automotive mechanics workshops taken as shown by the Ximena parish south of the city of Guayaquil, we could realize that the people in charge of the administration lack a financial culture. which does not allow them to grow as a company, so we propose as a general objective, to elaborate a practical theoretical proposal to improve and respond to the current problem in the micro enterprises of the Guayaquil Canton; it was discussed with theoretical support, primary and secondary source tools; using a descriptive, inductive, qualitative-quantitative methodology where it is affirmed that without a proper financial education businesses fail, due to the lack of basic knowledge such as the importance of savings, the different financial products and services offered by banking institutions . It was proposed with an action plan to get people about the free courses offered by financial institutions on financial education in order not to fail the entrepreneurial micros in the canton Guayaquil
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EDUCACIÓN FINANCIERA, MICROEMPRENDEDORES, NUEVOS PROGRAMAS