Determinantes en el acceso a financiamiento en las microempresas del Ecuador, en el cantón Samborondón

Abstract

Abstract: This research proposes to determine the access to financing of microenterprises in Samborondón, province of Guayas. A mixed methodology is used where data from Field research is analyzed using descriptive statistics. To collect the information, a survey of 27 questions was applied to a sample of 274 microentrepreneurs, selected from a total population of 944 microenterprises. The results reveal that the majority of microentrepreneurs belong to the commerce and services with a high participation of the male gender whose ages range between 41 and 50 years old whose educational level is higher education. Among the factors associated with access to credit in microenterprises are the lack of credit history, insufficient guarantees, lack of knowledge of procedures, high rates of interest, inability to pay and excessive requirements. On the other hand, it was determined that the Preferred options to achieve the necessary financial resources are private banking and self-financing. Likewise, it was determined that the microenterprises that received a response negative to their credit application, they generally do not reapply for financing in the same financial institution.