Problemas de financiamiento en las Micro, Pequeñas y Medianas empresas en el sector de la producción de químicos en la ciudad de Guayaquil.

Abstract

This research paper describes the financing problems presented by small and medium enterprises in the chemical production sector of the city of Guayaquil at the time of requesting and accessing a loan, analyzes the analysis of the sources of financing of Guayaquil, which a Survey of 384 employees in the chemical sector was carried out to know the problems they will present when applying for a loan and to know the reasons that will lead them to request it. Thanks to the investigation, it was possible to know that one of the main requirements and for which companies do not access a loan is the lack of a guarantor and because they have no property to leave as collateral for such loans.