Análisis de la falta de inclusión financiera y su relación con los préstamos ilegales en los emprendedores del sector popular y solidario de la provincia de Zamora Chinchipe, cantón Yantzaza del año 2025

Abstract

Abstract: The objective of this research is to analyze the factors that determine the lack of financial inclusion and its relationship with obtaining illegal loans among entrepreneurs in the popular and solidarity sector of the Yanzatza Canton Shopping Center in the Province of Zamora-Chinchipe. The methodology used was a non-experimental, cross-sectional design. A physical survey was administered to 100 entrepreneurs in the Yanzatza Canton Shopping Center, consisting of six fundamental constructs: factors, characteristics, access to financial services, incidence of illegal loans, financial inclusion, and education. The results show that the factors that influence the lack of financial inclusion and its relationship with illegal loans are the policies of financial institutions, the lack of a credit history, lack of knowledge of financial products or services, or the difficulty in obtaining the requirements granted by financial institutions. It is concluded that the majority of entrepreneurs work with formal financial institutions, indicating that illegal loans are detrimental to them as entrepreneurs.