Determinantes en el acceso a financiamiento en las microempresas del Ecuador, en la provincia de Sucumbíos, cantón Lago Agrio

Abstract

Abstract: This research analyzes the determining factors that prevent access to financing to microenterprises in the Lago Agrio canton, for this purpose a descriptive and analytical scope methodology; and quantitative and qualitative approach, for its application in a sample of 238 microentrepreneurs. Obtaining that the main economic activities of the microentrepreneurs of the Lago Agrio canton are oil, services and agriculture. The results indicate that access to financing is conditioned by various factors, such as a low rating in the irrigation center, amounts higher than the debt and lack of guarantees, due to these factors the perception of risk on the part of financial institutions also influences the willingness to grant loans. Furthermore, the lack of solid collateral and guarantees often makes it difficult to access financing. Social factors, such as the educational level and business experience of Entrepreneurs also evaluate credit capacity, suggesting to analyze these determinants and create strategies that allow microenterprises to obtain access more cash to financing.