Los programas de microcrédito como herramienta para el desarrollo financiero de la micro y pequeñas empresas en el cantón Riobamba, periodo 2014

Abstract

This thesis deals with microcredit programs as a tool for financial development of micro and small businesses in the canton Riobamba, period 2014 and aims to analyze the impact of microcredit in MSEs. The problem with MSEs is little information on existing microcredit programs, because financial institutions have a wide variety of products aimed at specific segments, which have clear benefits and defined for both micro and small businesses, as interest rates lower and less stringent requirements. Regarding the methodological framework, the research design is not experimental, considering that you can not control the variables, comparative will cross because the research done at a certain time, specifically in 2014. As a result it was determined that there are financial institutions that define their products by company size, there are no specific limitations to acquire a loan and that most times the impact of microcredit is good for business.