Propuesta de diseño de un servicio financiero para emprendedores Crédito emprendedor del Banco de Loja

Abstract

Abstract: Despite significant advances in entrepreneurial financing, Entrepreneurs still face several important challenges that can hinder their access to credit, and one of the main obstacles is the lack of credit history or guarantees, as is the case of entrepreneurs who are part of incubators as Prendho from the Private Technical University of Loja (UTPL). Hence the general objective of this study was to design an entrepreneurial credit system awarded by Banco de Loja in the development and success of projects incubated in Prendho, in order to take advantage of the bank's adaptability in the face of external challenges and the high demand for its microcredit products. This financial product with a maximum amount of USD$ 20,000 in a period of up to 4 years at a rate of 28.23% for entrepreneurs with or without credit history and without guarantor, would differ from the offer regular financing also in the possibility of financing not only fixed assets, but also also working capital and operating expenses, as well as in the support and advice before, during and after financing, so it is concluded that This collaboration between the incubator and the financial institution can contribute to the growth and sustainability of ventures.