El microcrédito como medio de financiamiento para las microempresas del Ecuador, en el período 2015 2020

Abstract

Abstract: Microcredit has become a financing alternative for low-income people, entrepreneurs and rural workers whose purpose is to reduce poverty circles, being a means of financing especially for microentrepreneurs. Therefore, this study aims to analyze microcredit as a means of financing for microenterprises in Ecuador, in the period 2015 and 2020. For this purpose, a descriptive, non-experimental research was applied, with a quantitative approach on a unit of analysis of 24 private banks, 3 public banks and 35 cooperatives belonging to segment 1 at the national level, collecting information on placements by type of segment, geographic location and productive activity of destination. The main results show that the simple and extended accumulation segments are the most important, and that the provinces of the highland region have the highest volume of loans; however, the banks have administrative service activities as their main destination, while the cooperatives have commercial activities, transportation and agriculture as their main destination.