Determinantes en el acceso al financiamiento en las microempresas de Santo Domingo, Ecuador

Abstract

Abstract: The objective of this research work is to analyze the determinants in access to financing in microenterprises in the city of Santo Domingo, for which which was theoretically based and, based on antecedents written by other authors, was performed a comparative analysis with the results obtained. A methodology was required that contains an exploratory research design of a descriptive nature because it investigates the incidence of the problem, undertaking field work to analyze the determinants in access to financing in the microenterprise sector. Consequently, the study sample was made up of 376 microenterprises, who were given a questionnaire of questions. The main findings show that The determinants that restrict access to credit are: 48.6% economic instability, 21.3% lack of guarantees, 15.2% inability to pay, 10.9% amounts higher than the credit capacity, 6.4% the low rating, and 5.6% the debt level of the microentrepreneurs.