Impacto de las microfinanzas en los microempresarios, periodo 2012 a 2019. Caso de estudio Banco Pichincha de la ciudad de Santo Domingo.

Abstract

Abstract:This study analyzed how access to microcredit makes it possible to opt for financial products and services to the microfinance segment of Banco Pichincha in the Province of Santo Domingo in Ecuador. Based on the information of 105 microfinance clients for the period between 2012 and 2019, it was determined that the granting of microcredits between 2015 and 2016 does not show a significant increase, but in 2017 and 2019 microcredits grow due to the new channels of diffusion. The study turns out to be interesting because it is the first investigation that seeks to determine how a large private bank in an emerging country such as Ecuador, can favor financial inclusion based on access to financial products and services to a population that due to its conditions has not yet been covered by the offer of banking products and services. It is necessary to have new lines of research that specify the incidence of microcredits in the microeconomics of other banking entities, to extrapolate the information at the regional level, which allows the creation of proposals to boost the local economy.