Incidencia de los microcréditos otorgados por el segmento 4 de las Cooperativas de Ahorro y Crédito, en el desarrollo microempresarial de la ciudad de Quito, durante el período 2014-2016

Abstract

Taking into account the importance of achieving ensuring an adequate economic situation in microenterprises, as well as maintaining the benefit of financing in society, it was proposed to determine the incidence of the credits offered by the Savings and Credit Cooperatives (COAC) ) of segment 4 in microenterprise growth in the city of Quito, which provides both cooperatives and microenterprises with a tool for decision-making aimed at the improvement of both parties. For which, a descriptive study was carried out, through the application of a mixed approach, using tools such as the survey of the managers of several micro-enterprises; and, the interview with COAC managers from the city of Quito, where it was generally established that the microenterprises of the city do not have easy access to credit, so the proposal was aimed at establishing strategies so that segment 4 of the COAC, can significantly contribute to the development of Quito microenterprises, encouraging the use of the business incubation process for the creation of production and service companies