Análisis de la realidad de la Inclusión Financiera de los Emprendedores Informales del Centro de la Ciudad de Esmeraldas 2026

Abstract

Abstract: This study examines the reality of financial inclusion among informal entrepreneurs in the urban center of Esmeraldas in 2025, aiming to characterize their access to and use of financial services and to study how these factors relate to the economic progress of their businesses. The methodology employed a non-experimental quantitative approach to obtain numerical data. A simple probabilistic sampling method was used, allowing for the study to work with 200 validated respondents, thus ensuring representative and reliable data for the subject of study. The results showed that the average financial inclusion index reached a value of 0.73, while the average economic development index stood at 0.27, revealing a gap between the adoption of financial services and their effective translation into economic improvements within informal businesses. The evaluation analysis, applied using Spearman's rank correlation coefficient (ρ = 0.044; p = 0.536), did not show a statistically significant relationship between financial inclusion and economic development, suggesting that the economic performance of these businesses is primarily determined by internal management factors and the context in which they operate.