Estructura de financiamiento de las Pymes de la zona de planificación 3 del Ecuador, Período 2014 2017

Abstract

Abstract: In the economy of Ecuador, small and medium-sized companies are of great importance due to the contribution of production of goods, services they offer, which represents the greatest force of growth in the country, for which the main objective of this work is to analyze the financing structure of SMEs in Zone 3 of Ecuador, period 2014 -2017; applying a descriptive methodology through a quantitative and qualitative approach, with real data obtained from the Superintendence of Companies.Based on the analysis carried out, it was possible to know that SMEs are mostly represented by small companies, with the activities of wholesale and retail trade, manufacturing industries, construction and transportation standing out.In addition, it was determined that they have excellent current liquidity, a high level of dependence on third parties; In thissense, it is considered that the creditors are the ones who mainly finance the economic activities of this productive sector.On the other hand, it was possible to determine that the sources of financing of this group of companies are through their own funds, and with credits with suppliers, very little participation of financial institutions could be appreciated.