Determinantes en la oferta de financiamiento para las microempresas en Ecuador, provincia Pichincha, cantón Quito, parroquia Ponceano 2023

Abstract

Abstract: This research focuses on analyzing the determining factors of the supply of financing for microbusinesses in the province of Pichincha, Ecuador, specifically in the parish of Ponceano during 2023. A descriptive methodology was used qualitative exploratory study that involved surveys of local financial institutions and review of bibliographic information. The results revealed a significant increase in credit placements for microentrepreneurs during the last semester, despite the challenge that the pandemic represented. This growth was most pronounced in the savings and credit cooperatives in the "popular and supportive" category. However, they persist Obstacles to achieving optimal levels in microenterprise financing. HE identified barriers, such as informality in the financing application processes, that make it difficult to incorporate new users into the local financial system. They are suggested solutions such as the modernization of digital platforms of financial entities and, Crucially, the promotion of a solid financial culture among entrepreneurs and clients. This would not only benefit microenterprises, but would also contribute to strengthening of the national economy. In summary, the research highlights the positive growth in the financing offer for microenterprises in Ponceano, but highlights the importance of overcome the identified barriers and promote financial education as an integral part of the regional economic development.