Los problemas para el financiamiento para las Micro, Pequeñas y Medianas Empresas MIPYMEs en el sector manufactura y producción de calzado en la ciudad de Guayaquil.

Abstract

This study analyzes the problems of Micro, Small and Medium Enterprises MSMEs in the manufacture and footwear production sector in Guayaquil city. For the effect, a descriptive - inferential quantitative study of transversal type was developed and also done a survey to 400 businessmen in order to consult about their experience in obtaining credit, after considering some variables of characterization of the companies they run. Among the main results according to the perception of the respondents, financing issues were found and were related to the warranties that Financial institutions requests as sureties and immovable assets, short term credits and high rates bank interest. In most cases, a guarantee from a third party and immovable assets are requested, which makes it difficult for the company to continue with the process. This affects the negative perception that SMEs have regarding access to credit in the city of Guayaquil.