Análisis del microcrédito como alternativa de financiamiento para el desarrollo económico de los emprendimientos de la provincia de Zamora Chinchipe cantón Zamora, periodo 2016-2021

Abstract

Abstract: The research analyzes microcredit as a financing alternative for the economic development of enterprises in the province of Zamora Chinchipe, canton Zamora, during 2016-2021. Using a mixed approach, the impact of the microcredit in the growth and sustainability of small businesses, analyzing the accessibility, conditions and requirements of the programs, the main challenges and opportunities that entrepreneurs face when accessing financing, where strategies improve the effectiveness of programs and enhance local economic development, a mixed approach, combining quantitative and qualitative methods, an analysis was carried out documentary of the policies, programs and statistics of microenterprises in the Canton Zamora, the results show that there has been a positive impact on development economic of ventures in Zamora. Access to financing has allowed Entrepreneurs expand their operations, increase their income and contribute to growth economic, so economic growth is significant and sustained where the evaluation of interest rates, payment terms and other factors are for the benefit of the entrepreneur.