Factores que operativizan el financiamiento crediticio a las microempresas de Guayaquil, Ecuador
Fecha
2024-05-31Autor
Rosillo, Willian V.
Vivanco, Isauro M.
Villavicencio, Blanca X.
Sisalema, Lila A.
Metadatos
Mostrar el registro completo del ítemResumen
La investigación tiene como objetivo analizar los factores que afectan el financiamiento bancario a
microempresas en Guayaquil, identificando elementos para viabilizar créditos. Desarrollado con
método deductivo y enfoque mixto, el estudio, de tipo descriptivo, observó 135,724 microempresas,
con una muestra de 383 a un 95% de confianza. Los resultados destacan que los factores vinculados al
contexto macroeconómico y la competitividad financiera afectan el financiamiento, aunque las
necesidades prioritarias de las microempresas se centran en el capital de trabajo. The objective of the present research is to analyze the factors influencing banking financing for
microenterprises in Guayaquil. In this way, the aim is to identify the elements that facilitate loans for
micro-entrepreneurs. The study employed a deductive method and a mixed approach. It was descriptive
in nature, with a population of 135,724 microenterprises observed. The sample size, determined with a
95% confidence level, consisted of 383 microenterprises. The main results revealed that factors
operationalizing financing for microenterprises are related to the macroeconomic context and the level
of competitiveness in the financial market. However, the financing needs of microenterprises
predominantly focus on working capital.