Determinantes en el acceso a financiamiento en las microempresas del Ecuador, provincia Esmeraldas, cantón Quinindé. Año 2023.

Abstract

Abstract: The development of this research was carried out in order to analyze the determinants in access to financing in microenterprises in Ecuador, Esmeraldas province, Quinindé canton, an exploratory and descriptive research was used, with a focus quantitative, which allows using primary and secondary sources to compile information, exploring reality and having a clear idea of ​​what the determinants are in access to financing for Quinindé microentrepreneurs, applying a survey of a population made up of 41 microentrepreneurs, obtaining information relevant to the analysis of the object of study. Among the main results achieved was obtained, the understanding of the functioning of the Financial System and the importance of same for the development of microenterprises in the Quinindé Canton, as well as the link in decision making when accessing financing, it was concluded that the level acceptance by microentrepreneurs is greater in reference to cooperatives savings and credits since it is considered that they do not place many obstacles to the time to request your financial services.