Determinantes en el acceso a financiamiento en las microempresas del Ecuador, Provincia Azuay, Cantón Gualaceo, 2023

Abstract

Abstract: The objective of this research is to analyze the factors that determine access financing of microenterprises in the Gualaceo Canton, with the purpose of knowing the factors that affect access to financing to overcome these barriers that are microentrepreneurs face when accessing credit. The methodology used was analytical, exploratory and descriptive with a qualitative approach, we worked with a census sample, to collect information a survey was applied to 107 microentrepreneurs located in the Gualaceo Canton achieving valuable results. These results show that 99.1% of microentrepreneurs have required financing for your venture, it is also evident that the factors that limit the access to financing for entrepreneurs and these are denied are: 67.3% due to the lack of guarantees, 23.4% mention factors such as job stability, requirements or documentation required by financial entities, 4.7% for the time of operation of the venture and with 3.7% because the amounts are higher than the debtor's ability to pay.