La cultura financiera y su impacto en la adecuada administración de crédito financiero a microempresas de la ciudad de Guayaquil.

Abstract

The financial culture is of great impact for the proper administration of financial resources, because it is theoretically demonstrated that people with an adequate level of financial culture can maintain successful micro-enterprises that in the medium and long term create sources of employment and help to solve the country’s economy. In addition to generating a culture of saving and proper management of their income in order to improve the level and quality of life of their families, in the city of Guayaquil, the majority of people who access microcredit do not have a financial culture, making it difficult for them to keep their micro-enterprises afloat. This makes it increasingly difficult for entrepreneurs to access financial credit. A study carried out by INEC in 2013 shows that 90.3 per cent of the sources that generate employment in Ecuador are micro-enterprises. This makes it increasingly difficult for entrepreneurs to access financial credit. A study carried out by INEC in 2013 showed that 90.3 per cent of the sources that generate employment in Ecuador are micro-enterprises. So it is necessary to start generating a greater financial culture within the country. By means of surveys, interviews and focus group that were conducted to micro entrepreneurs in the city of Guayaquil were able to obtain relevant data that helped to know and identify which are the main reasons why people do not have a correct financial culture the same as has as reaction a negative one in the enterprises that arise through financial credits. In Ecuador, citizens are increasingly burdened by economic problems, so it is necessary to have financial education as a strategy for the development of an activity that seeks to achieve a goal.