Determinantes en el acceso a financiamiento en las microempresas del Ecuador, en la parroquia La Ferroviaria, cantón Quito. Año 2024

Abstract

Abstract: The development of this research consisted of analyzing the determinants of access to financing in microenterprises in Ecuador, in the La Ferroviaria parish, Quito canton. A non experimental methodology, descriptive type, inductive, analytical - synthetic method was applied, collecting information from secondary sources and using a primary source through the survey questionnaire applied to 41 microenterprises. The main results found were that the majority of microenterprises are dedicated to wholesale and retail trade. In addition, it was learned that in the parish there are only non-banking correspondents and the main restriction on access to financing is the low rating in the risk center. The most important benefit is that resources are obtained for the acquisition of assets, purchase of raw materials, payment of labor and business expansion. It was concluded that the majority of microentrepreneurs prefer to request credit from savings and credit cooperatives, assuming moderate risks.