Determinantes en el acceso a financiamiento en las microempresas Sociedad Anónima del Ecuador, Provincia Azuay, cantón Cuenca 2023

Abstract

Abstract: This research seeks to analyze the factors that determine access to financing in the microenterprises Sociedad Anónima of Ecuador, province of Azuay, Cuenca canton, 2023. To meet this research objective, a mixed and a descriptive and analytical design, using the inductive method. It applies a survey of 215 representatives of the microenterprises under study. The results showed that the main restrictions on access to financing for microenterprises Sociedades Anónimas of the Cuenca canton, are the high level of current debt that these entities have and their lack of guarantees. In this way, the The study carried out is of great importance, since it will allow the general public to know more about this type of companies and the restrictions on access to financing that they face. Likewise, microentrepreneurs in the region benefit, facilitating the decision making related to financing sources, as well as, are All entrepreneurs in the canton who wish to obtain financing for form future microenterprises.