Determinantes en la oferta de financiamiento para las microempresas en Ecuador en la provincia de Pichincha cantón Mejía, periodo 2023

Abstract

Abstract: The purpose of this research is to analyze the determining factors of the offer of financing by the financial institutions of the Mejía canton, Pichincha province, aimed at microenterprises during the year 2023. For this, a type of research was used descriptive and analytical with a mixed approach. The survey technique was applied to 18 financial entities of the canton. The results revealed that there are more partners and clients in the urban area with 53% participation and the rural area with 47%. The activities Credit allocations that stand out in the canton are commerce and production with 35% mainly in the retail and agricultural and livestock portfolios. Likewise, it was identified that 51% of clients who request financing are women and the highest rate of Default in credit payments predominates by men with 24% of clients in default. Therefore, the key factors for financing are given by the payment history, debt situation, diversity of guarantees and a minimum of 5 years of operation, fundamental aspects in credit analysis.