Estudio de las microempresas, microcrédito y morosidad en el Ecuador (2012-2016).

Abstract

The current work will evaluate the behavior of microentrepreneurs regarding the financing of the debt, which depends on public and private entities in Ecuador. In addition, this research is based on a scientific fact that starts, in the calculation of the different portfolios of the financial sector of the country. In this way, the mission of the study prior to the review of the 17 sectors of the economy will be expanded, with this analysis the research question will be answered that groups all the study variables. This research is done in an explanatory-deductive way, in order to understand each of the indicators produced by micro-enterprises. As a whole, to the credits that are granted and the delinquency that the financing represents to the entities that offer the service. Meanwhile, the indicators that microenterprises derive from macroeconomics are: productivity, sales, salaries, and employment that will be detailed by each sector and finally the projection of these variables will be reached. The economic theories that many authors contribute to this research will corroborate the efficient approach of the analysis, being truthful and complementary to the real situation. This will help to make a correct methodology in the corresponding process and secured to the econometric deductions. In effect, observations will be made available, which help to have a better vision of the microenterprise sector. And, recommendations will be drafted for future work for the benefit of Ecuadorian society.