Estudio de factibilidad financiera de un crédito para el emprendimiento de manufactura y comercialización de mochilas en la ciudad de Milagro
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2021
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Universidad de Guayaquil, Facultad de Ciencias Adminiatrativas
Resumen
El presente trabajo tiene como finalidad determinar cuál es el producto financiero que más le conviene al Negocio de ventas al por mayor y menor de mochilas, Leguisport S.A. de la ciudad de Milagro mediante un estudio de factibilidad de créditos. Se desarrollaron diversos tipos de investigación entre los que resaltan la investigación aplicada, descriptiva, explicativa y exploratoria, además de contar con método como el sintético, analítico, entre otros, asimismo de información relevante con respecto a la situación de la cartera en el mercado y su segmento para microempresas. Se elaboró una entrevista dirigida al jefe del negocio, donde se muestra que realizó un crédito anteriormente, su tasa de interés era más alta que la establecida en el mercado y sin ningún tipo de beneficio. Con la realización de la propuesta se constató que dentro del sistema bancario si existen préstamos o microcréditos que brinden seguridad al cliente en su tiempo de ejecución, además de buena facilidad de pago y una tasa de interés conveniente, haciendo que el comerciante se arriesgue por esta opción de crédito.
The purpose of this work is to determine which is the financial product that is best for the Business of wholesale and retail sales of backpacks, Leguisport S.A. of the city of Milagro through a credit feasibility study. Various types of research were developed among which stand out applied, descriptive, explanatory and exploratory research, in addition to having a method such as synthetic, analytical, among others, as well as relevant information regarding the situation of the portfolio in the market and its segment for micro-enterprises. An interview was prepared for the head of the business, where it is shown that he made a loan previously, his interest rate was higher than that established in the market and without any type of benefit. With the realization of the proposal it was found that within the banking system if there are loans or microcredits that provide security to the client in their execution time, in addition to good ease of payment and a convenient interest rate, making the merchant take risks for this credit option.
The purpose of this work is to determine which is the financial product that is best for the Business of wholesale and retail sales of backpacks, Leguisport S.A. of the city of Milagro through a credit feasibility study. Various types of research were developed among which stand out applied, descriptive, explanatory and exploratory research, in addition to having a method such as synthetic, analytical, among others, as well as relevant information regarding the situation of the portfolio in the market and its segment for micro-enterprises. An interview was prepared for the head of the business, where it is shown that he made a loan previously, his interest rate was higher than that established in the market and without any type of benefit. With the realization of the proposal it was found that within the banking system if there are loans or microcredits that provide security to the client in their execution time, in addition to good ease of payment and a convenient interest rate, making the merchant take risks for this credit option.
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FACTIBILIDAD FINANCIERA, CRÉDITO, EMPRENDIMIENTO, MANUFACTURA