Acceso a los productos de crédito por parte de los microempresarios de Zamora Chinchipe Zamora-Yantzaza

Abstract

The main objective of this work is to determine the access to credit products by microentrepreneurs in Zamora Chinchipe, specifically in the main cantons of Zamora and Yantzaza. To obtain the information, data is taken from a survey applied to 659 establishments, carried out in 2015 by a research project called Popular and Solidarity Finance of the Universidad Técnica Particular de Loja. The results indicate that the microenterprises are mainly run by the female gender, who in greater proportion demand the microcredit segment, but have access to high financial amounts for the male sex, young people, single people, without family responsibilities and businesses with more years of operation. In addition, microentrepreneurs at the time of requesting credit present barriers mainly in excessive red tape, also due to the lack of guarantees, insufficient payment capacity and because the credit lines are inappropriate for the microenterprise. Being the variable education, marital status, family responsibilities, place and year of operation of the business, restrictions for these to access financial products.