Diseño de financiamiento para microcréditos basado en la amortización del modelo Yunnus en las Micropymes de la ciudad de Guayaquil.

Abstract

Credit is undoubtedly a tool to boost the economy by being used as a means to finance business, either in its beginnings or in its future development. The credit management of both the bidder and the applicant requires methodologies that allow, on the one hand, to be attractive within the market and, on the other, to benefit from banking facilities in terms of rates, terms, thanks periods, requirements and other elements that the form. The present investigation analyzes the microcredit product from the models of amortization tables applied in financial institutions of Guayaquil and that are offered to the microenterprise, a segment of great importance within the national economic dynamics and the main financing claimant. For this, a documentary investigation is carried out that supports the solution proposal from the theoretical point of view, analyzing past research and existing bibliography, and from the legal regulations, to comply with the established formalities. An analysis of the amortization tables currently used by banks and surveys of credit beneficiaries is also carried out to have a perspective on the reality of the sector and to establish solutions from there. In the end, a proposal for amortization is presented from the Yunnus approach, beneficial for the actors that make up this important market.