Factores que inciden en el proceso de endeudamiento de las microempresas del sector productivo al norte de Quito en la zona de Carcelén industrial, en el contexto del primer año de pandemia

Abstract

Abstract: Small businesses continue to be one of the segments most affected by the coronavirus crisis. Its margin of reaction has been very limited by the fall in income, which has gone far beyond that of expenses. This situation has intensified the dependency on these types of organizations to seek funding. And it is that, with greater or lesser difficulty to access it, it is the only way that many entrepreneurs see to the survival of their businesses. But the reality is that COVID-19 has triggered debt ratios, reaching up to 80.5% in the case of micro-enterprises and up to 76% in companies with between 5 and 10 workers. The figure drops to 57.8% in organizations with more than 25 employees, this data has been provided by Iberinform analysts after conducting a study. This research analyzes what factors are causing microenterprises, families and society in general to be unable to respond to the obligations they have with the different financial entities in the context of the pandemic.