Análisis de factores que impactan en el acceso al crédito para emprendedores en la ciudad de Loja y propuesta de una plataforma digital denominada Financia tu sueño

Abstract

Abstract: The research focuses on the "Analysis of factors that impact access to credit for entrepreneurs in the city of Loja and the proposal of a digital financial platform called 'Financia tu sueño'." The main objective is to identify and analyze the economic, social, and regulatory factors that affect credit accessibility for entrepreneurs in Loja, with the aim of proposing practical solutions to improve their access to financing. The study also suggests that technology can play an important role in facilitating access to credit. In this context, the creation of a digital financial platform called "Financia tu sueño" is proposed. This platform aims to connect entrepreneurs with financial institutions, offering financial products and services tailored to their needs and capabilities. Additionally, it will provide financial education tools and advisory services to improve business management and increase the chances of success. The research was conducted in the city of Loja. A mixed-method approach was adopted, utilizing both qualitative and quantitative techniques. This included the analysis of secondary data collected from relevant sources and in-depth interviews with local entrepreneurs. Surveys were conducted with a wide range of entrepreneurs to obtain quantitative data on their experiences with credit access. Interviews were conducted to gain a more detailed understanding of the individual challenges faced by entrepreneurs. Previous studies and relevant legislation were reviewed to provide a reference framework and complement the data collected. The results indicate that limited access to credit is a significant problem for entrepreneurs in Loja, exacerbated by a lack of adequate guarantees, insufficient financial knowledge, and an unfavorable regulatory environment. The proposal seeks to reduce barriers to credit access for entrepreneurs in Loja through an innovative digital solution that promotes financial inclusion and local economic development.