Propuesta de financiamiento para micro emprendimientos a través de Cooperativas de Ahorro y Crédito en Guayaquil.

Abstract

The objective of the research was to make a financing proposal for micro enterprises through the Savings and Credit Cooperatives in the city of Guayaquil, focusing on nascent microentrepreneurs, that is, those who are involved in the creation of a new business. The methodology used consisted of conducting a visit to the most important cooperatives in Guayaquil in order to inquire about the types of loans offered to micro entrepreneurs and their requirements. In addition, surveys were conducted to micro entrepreneurs in order to know their current situation and other aspects related to obtaining money to start their businesses. The research made it possible to identify the most relevant results that, although there are loan products for micro entrepreneurs, such as microcredit, simple credit and extended accumulation, these products contemplate conditions that hinder access to financing, 74% of the micro entrepreneurs pointed out that the conditions of the credit affected their obtaining of resources, indicated that the type of guarantee and the request to have money to open an account, were the main impediments to obtain the credit. Given the foregoing, it was concluded that Ecuador currently exists for public or private financial institutions an opportunity to serve the emerging microenterprise sector as long as a proposal is designed more in line with what these people need, a proposal that was designed in the investigation.