Factores que inciden en el acceso al financiamiento de las PYMES de la ciudad de Guayaquil.

Abstract

Request financing, an SME in the financial sector, does not always have a favorable acceptance and this work identified the factors that have an impact on the access to finance of SMEs in the city of Guayaquil, which is where the most is concentrated of SMEs. The main objective was to: determine the factors that have an impact on the access to finance of SMEs in the city of Guayaquil with the purpose of designing a proposal that a scheme to teach you to overcome the barriers they face and achieve the credit. Guayaquil private banking credit area was analyzed from the point of view of managers and/or owners of SMEs, as counterparty and interviewed four experts. The methodology was exploratory and qualitative and quantitative, mixed nature given that the objective of the research is to identify the environment in which they operate small and medium-sized enterprises, and detail the factors affecting access to your financing. Commercial sector was considered of the broad sector of SMEs. The results are the many drawbacks that SMEs have to resort to the Bank to request a credit, and because SMEs are denied credit and what are these factors was also considered. This product is elaborated proposal "Factors to consider obtaining access to finance of SMEs in the city of Guayaquil's private banking