Analisis 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 Pichincha, ciudad de Quito, parroquia Calderon, año 2025

Abstract

Abstract: This study addressed the problem of the lack of financial inclusion and its close connection to the worrying phenomenon of informal lending among entrepreneurs in the popular and solidarity sector in the parish of Calderón, Quito, during the year 2025. The primary objective of the research was to identify how the absence of access to formal financial services has pushed these entrepreneurs into informal financing circuits. To this end, a mixed approach methodology was employed. Through surveys directed at a representative group of entrepreneurs in the area, detailed information was gathered on their experiences and perceptions regarding access to credit and the various financing alternatives they use. The results indicated that third-party loans, characterized by their illegality and high interest rates, as well as their unfavorable conditions, seriously compromise the profitability and stability of the businesses, even affecting the integrity of the entrepreneurs. This situation confirmed the need to implement financial education programs and develop formal financing options that meet the requirements and realities of the popular and solidarity sector.