Determinantes en la oferta de financiamiento para las microempresas en Ecuador, enfoque en la provincia de Pichincha canton Quito, en el periodo 2023

Abstract

Abstract: This research focuses on analyzing the determinants of financing for microbusinesses in Ecuador, with a specific focus on Quito during the year 2023. survey, administered to 22 banking entities, examines various aspects such as experience of the microentrepreneur, income, guarantees, collateral, purpose of microcredit, geographical location, gender management, industrial sectors and socioeconomic factors. It is essential that banking institutions understand these determinants, since this It is crucial to improve strategies and consolidate relationships with microenterprises. The The strength of the microentrepreneur's experience and income influences obtaining of financing, as well as guarantees such as guarantees and solidarity. Nature specific guarantees and the purpose of the microcredit affect the amount and conditions of financing. Furthermore, the geographical location, gender of the manager and the nature of Economic activity also impacts credit preferences. These findings offer a detailed understanding of the key elements that affect access to finance for microenterprises, providing a valuable basis for policy formulation and financial strategies adapted to your particular needs.