Determinantes en el acceso a financiamiento en las microempresas del Ecuador, provincia Santo Domingo de los Tsáchilas, cantón Santo Domingo, 2023

Abstract

Abstract: The main objective of this research is to analyze the factors that determine access to financing in microenterprises in Santo Domingo, for which reason, we worked on the basis of both primary and secondary sources of information, which have allowed us to achieve the proposed objective, for which an exploratory and descriptive research was applied, since the problem addressed does not present previous research in the canton, relying primarily on information collected from official databases, as well as a survey of 204 microenterprises in the canton, in relation to which we obtained that microentrepreneurs in Santo Domingo are equally distributed between men and women, A survey of 204 microenterprises in the canton, which showed that microentrepreneurs in Santo Domingo are equally distributed between men and women, and that most microenterprises require external financing, which has been rejected for the most part, This has been mostly rejected by private banks, being the lack of guarantees, time of operation of the microenterprise and the high level of indebtedness, some of the main reasons given by financial institutions to deny credit, noting that the loans granted belong mostly to microcredit.