Microcrédito: cómo influye en el desempeño económico-financiero de las MIPYMES en el cantón Yantzaza, provincia de Zamora Chinchipe /

Abstract

This research aims to determine the influence of microcredit in the economic and financial performance of MSMEs in the Yantzaza Canton province of Zamora Chinchipe, it is considered as a sector with high commercial level and thus has a wide variety of MSMEs . For survey means, it became known that there is a great demand of microcredit in this sector, 87% of micro entrepreneurs access this financing, primarily for ease in processing and the loan amount is between 3000.00 and $ 5,000.00, which has allowed these businesses to increase working capital, especially the goods, have consistently grown its sales and profitability. Finally, a financial analysis to a small business, it serves as a model, in which it is detected that has not had a sustainable improvement, it is recommended that a greater commitment of financial institutions could provide courses for microentrepreneurs applied for no financial expertise, which would mean a great contribution to better manage their businesses.