Determinantes en la oferta de financiamiento para las microempresas en Ecuador, provincia de Pichincha cantón Rumiñahui, período 2023

Abstract

Abstract: The purpose of the research is to analyze the factors that determine the supply of financing for microenterprises in Ecuador at the provincial level of Pichincha canton Rumiñahui during the period 2023, the methodology used was descriptive-analytical. With a mixed approach, 35 financial institutions were surveyed and the main results demonstrate that the profile of the credit subject must meet a series of requirements to be taken taken into account, among these is considered the ability to generate income based on a evaluation of your financial status and the internal structure of your business, in addition to the experience of the entrepreneur and efficiency in managing the organization, in the same way The main determinants for the supply of microcredits were established, which are based in the state of debt, and if the microenterprise has a client portfolio, Finally, it is concluded that the factors that influence microcredit placements are based on general economic conditions such as the economic stability of the country, and perceptions about the risk that are associated with microenterprises.