Análisis de los factores que inciden en el acceso al crédito de las Pymes en Guayaquil.

Abstract

The objective of this research is to analyze the factors that affect access to credit for SMEs in Guayaquil. The applied research method is deductive, because it is based on theory and seeks to verify the different factors that affect access to credit for small and medium enterprises. In the theoretical framework, it is inquired about the different factors that determine the accessibility to credit in SMEs by financial entities. For this work the analysis of the interest rate, the guarantees, the size of the company, seniority, performance, geographical location and innovation was considered. For the information gathering, interviews were applied to the different agents involved with the research topic. Ten owners and managers of small and medium enterprises in the commercial and service sector of Guayaquil were interviewed. In addition, two credit agents were interviewed, one from Banco Pichincha and the other from Banco Bolivariano. Finally, two experts on credit were interviewed. The interviews were conducted in order to know the different opinions of the agents of each sector in relation to the incidents factors in access to credit by SMEs. As a main conclusion, it is determined that the interest rate, guarantees and performance of the SME limit their access to credit in Guayaquil.