Diseño de un Modelo de Negocio Fintech para Fortalecer la Inclusión Financiera, Promoción y Financiación de la Asociación Interprofesional de Artesanos 20 de Julio del Mercado Artesanal de Guayaquil

Abstract

Abstract: This paper presents the design of a Fintech business model aimed at financial inclusion, promotion, and financing of the Asociación Interprofesional de Artesanos 20 de Julio del Mercado Artesanal de Guayaquil. Through surveys of 118 artisans, barriers to credit access, low levels of digitization, and market opportunities were identified. According to the specific objectives, the study found that 75% of the artisans surveyed already have access to banking services and make use of digital financial tools. However, only half of them leverage social media for product promotion. Furthermore, 60% expressed interest in obtaining loans, and 54% indicated a willingness to join crowdfunding initiatives. In response to these insights, a business model was developed that combines digital microloans at competitive interest rates with a crowdfunding platform specifically adapted for artisanal ventures. This model also includes a continuous training component aimed at increasing engagement with the app. Its financial feasibility was confirmed through a five-year cash flow projection, which showed an internal rate of return (IRR) of 43.42%, a positive net present value (NPV) of USD 46,073, and a break-even point expected by the second year.