Fortalecimiento de los emprendimientos informales y acceso a las micro finanzas, analizando el periodo 2010 - 2017 en Guayaquil - Ecuador.

Abstract

The research carried out has identified in a relevant way how the profession of economist can contribute to solve the identified problem. How can the Ecuadorian state improve the access of informal workers to microfinance in real and flexible conditions, compared with the formality of the traditional system of finance? Secondary questions identified. The general objective is to identify the importance of informal enterprises in the partial solution to unemployment, underemployment and poverty. Also facilitate their accessibility to microfinance to get out of usury, proposing a special regime of consolidated public policies for this sector. The specific objectives would be: to analyze the different theories related to informal entrepreneurship, microfinance, unemployment, underemployment and usury, as a cause of economic poverty; Research design and its applicable methodology and data analysis; interpretation of the findings and results obtained in the investigation; proposal for a solution through public policy when studying the context of the problem and the statistics collected for the period 2010-2017 for the city of Guayaquil. The methodology used is mixed, with quantitative and qualitative analysis, in which descriptive and correlational research is used to search and process the information collected and thus determine the positive or negative impact that exists between the variables. The proposed hypothesis validates that micro-finance has a positive effect on the economic-social development of informal workers and their contribution to the economy of Ecuador.