Estudio de caso de los emprendimientos no exitosos luego de obtener operaciones de micro créditos de Instituciones Financieras.

Abstract

This research refers to the study of unsuccessful cases, then a microcredit operation is obtained, it is not a more intelligent vision. cases with qualitative method, perform a comparative triangulation between the literature studied and the interviews carried out, ending with the comments of an expert to compare the information, looking for the causes related to the financial growth of the clients. This inquiry is not focused, a problem of financial institutions, which is naturally, seeks a negotiation with entrepreneurs, a short term, a greater authority and a positive procedure to inject capital to people who are not banked. In urban and rural areas of Ecuador. However, there are contradictions at the time of surrendering to the entrepreneurs analyzed, being the starting point, as well as other arguments of a general nature, which in parallel goes hand in hand with the experience of maintaining in some years with entitiesdedicated to this niche. A research is carried out by visiting micro-enterprises in situ in the province of Azuay in a different way, obtaining key foundations for a better affinity in research. It entails a constructive relationship with the financial entities that promote this service and leaves it in the background for clients who do not fulfill their obligations, creating an important socioeconomic disadvantage for these people.