Fuentes y formas de financiamiento para pymes comerciales de Guayaquil período 2015 – 2019
Fecha
2021
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Universidad de Guayaquil, Facultad de Ciencias Adminiatrativas
Resumen
El presente trabajo se enfocó en el estudio de las fuentes de financiamiento disponibles para
las pequeñas y medianas empresas conocidas como PYMES, este enfoque estuvo radicado en
la búsqueda de fuentes y formas alternas de financiamiento en vista de que el otorgamiento de
créditos por partes de las entidades bancarias ha mostrado dificultad de acceso o elevadas tasas
se intereses que dificultan a las empresas asumir el préstamo adquirido. Con la investigación
realizado se pudo determinar con respecto al estado actual de las PYMES en la ciudad de
Guayaquil se pudo determinar mediante la técnica de investigación aplicada que estas entidades
presentan grandes dificultades al momento de buscar una fuente de financiamiento apta que
usualmente son los bancos, además indicaron que gran porcentaje de sus actividades
comerciales o proyectos implementados se encuentran financiados actualmente. Además de
esto dieron a conocer que por los diferentes requisitos o tasas de intereses impuestas por las
instituciones financieros no han podido acceder a un monto crediticio que les asegure alcanzar
las metas propuestas. Posterior a esto se mostraron las diferentes fuentes y formas de
financiamiento alternas a las conocidas usualmente que son otorgadas por las instituciones
financieras o entidades bancarias, dentro de estas fuentes alternas se muestran varias opciones
viables como la opción de deudas convertibles que traen consigo varios beneficios para las
empresas o el caso de la recaudación de fondos en donde tercerizan las actividades y obtienen
fondos para financiar sus proyectos.
This study focused on the study of the sources of financing available for small and mediumsized companies known as SMEs, this approach was based on the search for sources and alternative forms of financing since the granting of credits by parts of the Banks have shown difficulty of access or high interest rates for entities that make it difficult for companies to assume the loan acquired. With the research carried out, it was possible to determine with respect to the current state of SMEs in the city of Guayaquil, it was possible to determine through the applied research technique that these entities present great difficulties when looking for a suitable source of financing, which is usually banks, it also indicates that a large percentage of its commercial activities or implemented projects are currently funded. In addition to this, they announced that due to the different requirements or interest rates imposed by financial institutions, they have not been able to access a loan that ensures they achieve the proposed goals. After this, the different and alternative forms of financing are shown to the options usually known that are granted by financial institutions or banking entities, within these alternative sources several viable ones are shown, such as the option of convertible debts that bring with them several benefits for the companies or the case of fundraising where they outsource activities and obtain funds to finance their projects.
This study focused on the study of the sources of financing available for small and mediumsized companies known as SMEs, this approach was based on the search for sources and alternative forms of financing since the granting of credits by parts of the Banks have shown difficulty of access or high interest rates for entities that make it difficult for companies to assume the loan acquired. With the research carried out, it was possible to determine with respect to the current state of SMEs in the city of Guayaquil, it was possible to determine through the applied research technique that these entities present great difficulties when looking for a suitable source of financing, which is usually banks, it also indicates that a large percentage of its commercial activities or implemented projects are currently funded. In addition to this, they announced that due to the different requirements or interest rates imposed by financial institutions, they have not been able to access a loan that ensures they achieve the proposed goals. After this, the different and alternative forms of financing are shown to the options usually known that are granted by financial institutions or banking entities, within these alternative sources several viable ones are shown, such as the option of convertible debts that bring with them several benefits for the companies or the case of fundraising where they outsource activities and obtain funds to finance their projects.
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Palabras clave
FINANCIAMIENTO, PRÉSTAMOS, PYMES, RECURSOS