Diagnóstico de las alternativas de financiamiento para los emprendedores del sector flor de Bastión
Fecha
2020
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Universidad de Guayaquil Facultad de Ciencias Administración
Resumen
La presente investigación se centra en buscar alternativas de financiamiento para el crecimiento y
subsistencia de los emprendimientos en Flor de Bastión, ya que, debido a los cambios tecnológicos,
estructurales, implementación de leyes, han llevado a la expansión o la finalización de estos
negocios, siendo un aporte significativo al crecimiento económico de la ciudad de Guayaquil. Por
lo expuesto, la investigación se enfoca en el problema de la falta de conocimiento que poseen las
personas que desean tener su negocio propio sobre cómo financiarlo mediante entidades
financieras, esto se debe a la falta de programas de apoyo para los emprendimientos en este sector;
además, tiene como objetivo principal, dar a conocer a los emprendedores cuáles son las entidades
financieras más idóneas para obtener un crédito con la tasa de interés más baja del mercado
financiero, y así financiar sus proyectos según su actividad económica; lo que llevó a plantear la
hipótesis “ El análisis de las alternativas de financiamiento formales permitirá mejorar las
necesidades de las pequeñas empresas en el sector Flor de Bastión”. Razón por la cual, como
instrumento de investigación se realizaron encuestas dirigidas a los emprendedores para de esta
manera contar con una visión más clara de la problemática existente en Flor de Bastión, utilizando
el método cuantitativo, el análisis se enfocó en una población de 6 empresas ubicadas en la ciudad
de Guayaquil, de las cuales, se escogió una muestra de 2 empresas con la menor tasa de interés,
que resultaron ser las mejores alternativas para el financiamiento de estos emprendimientos. En el
desarrollo de los análisis y conclusiones se ha considerado la problemática existente dando paso a
la elaboración de una propuesta que permita el crecimiento económico de los emprendimientos del
sector Flor de Bastión.
The present investigation is focused on looking for financing alternatives for the growth and subsistence of the enterprises in Flor de Bastión, since, due to technological, structural changes, implementation of laws, they have led to the expansion or termination of these businesses, being a significant contribution to the economic growth of the city of Guayaquil. Therefore, the research focuses on the problem of the lack of knowledge that people who wish to have their own business have on how to finance it through financial institutions, this is due to the lack of support programs for entrepreneurship in this sector; In addition, its main objective is to inform entrepreneurs about the most suitable financial institutions to obtain a loan with the lowest interest rate in the financial market, and thus finance their projects according to their economic activity; which led to the hypothesis “The analysis of formal financing alternatives will improve the needs of small businesses in the Flor de Bastión sector”. Reason why, as a research instrument, surveys were conducted aimed at entrepreneurs in order to have a clearer vision of the problem in Flor de Bastión, using the quantitative method, the analysis focused on a population of 6 companies located in the city of Guayaquil, of which, a sample of 2 companies with the lowest interest rate was chosen, which turned out to be the best alternatives for financing these ventures. In the development of the analyzes and conclusions, the existing problem has been considered, giving way to the elaboration of a proposal that allows the economic growth of the businesses in the Flor de Bastión sector.
The present investigation is focused on looking for financing alternatives for the growth and subsistence of the enterprises in Flor de Bastión, since, due to technological, structural changes, implementation of laws, they have led to the expansion or termination of these businesses, being a significant contribution to the economic growth of the city of Guayaquil. Therefore, the research focuses on the problem of the lack of knowledge that people who wish to have their own business have on how to finance it through financial institutions, this is due to the lack of support programs for entrepreneurship in this sector; In addition, its main objective is to inform entrepreneurs about the most suitable financial institutions to obtain a loan with the lowest interest rate in the financial market, and thus finance their projects according to their economic activity; which led to the hypothesis “The analysis of formal financing alternatives will improve the needs of small businesses in the Flor de Bastión sector”. Reason why, as a research instrument, surveys were conducted aimed at entrepreneurs in order to have a clearer vision of the problem in Flor de Bastión, using the quantitative method, the analysis focused on a population of 6 companies located in the city of Guayaquil, of which, a sample of 2 companies with the lowest interest rate was chosen, which turned out to be the best alternatives for financing these ventures. In the development of the analyzes and conclusions, the existing problem has been considered, giving way to the elaboration of a proposal that allows the economic growth of the businesses in the Flor de Bastión sector.
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Palabras clave
FINANCIAMIENTO, EMPRENDIMIENTOS, ENTIDADES FINANCIERAS, CRÉDITO