Análisis del aporte del Microcrédito como medio de financiamiento a PYMES en el sector agrícola : Arroz y Cacao; en la provincia del Guayas.

Abstract

The following research focuses on how microcredit has influenced and has evolved in the Ecuadorian agricultural sector as a means of financing, especially in the rice and cocoa sector; focusing on time changes in relation to profit, management of financial obstacles by producers and acceptance at the sector level. The advantages and disadvantages that cause the financing of agricultural activities are identified, taking into account that it is a strong sector within the economy but at the same time vulnerable due to the conditions of the activity that they must support. The analysis of the variables such as time, borrowing capacity, credit acquisition facilities by the financial system, requirements; these are some of the variables studied in this paper and that allow us to understand the notorious exclusion suffered by two of the sectors considered to have the greatest contribution in the Ecuadorian economy. Microcredit has been considered as one of the most viable and fastest external financing methods, both in public and private Banks. In addition, the influence of internal financing sources as the farmers' first option is studied.