El microcrédito, ¿Es la fuente de financiamiento más óptima para microempresarios del sector agrícola del Valle de Los Chillos, 2013?

Abstract

The present work has the purpose of analyzing whether microcredit is the most optimal source of financing for the agricultural sector. Microenterprises have become a fundamental part of job creation, but they find it difficult to access a formal type of financing, and this is due to the degree of difficulty they have in meeting the requirements in both documents and guarantees, Especially for microentrepreneurs in the agricultural sector. For this reason, it was decided to carry out this research in the agricultural sector of the Valle de Los Chillos, through a survey conducted directly to the agricultural microentrepreneurs in order to be able to have truthful information about how easy and beneficial it was to obtain a microcredit in the formal financial sector . Thanks to this, it was possible to determine that despite the difficulty of meeting the requirements and high interest rates, microcredit benefits them in order to improve their microenterprises and thus improve their quality of life by obtaining a higher income; At the same time it was possible to propose strategies that will help them to improve their microenterprises and have greater access to financing.