El crédito de la banca privada y la expansión de las Pequeñas y Medianas Empresas (Pymes) del sector "Transporte Y Almacenamiento" de la ciudad de Guayaquil - Ecuador (2012-2018).

Abstract

The research work aims to analyze the relationship that private banking credit has with the income from sales of SMEs in the transportation and storage sector of the city of Guayaquil. SMEs are considered the main players in the growth of any economy, thanks to their contribution to job creation. The transport sector is one of the sectors that most represents as a chain in most of the productive chains and is of great importance in any economic system. Miller (2013) mentions that the relationship between financing and economic growth is one of the theoretical premises that, since the beginning of the 20th century, economists such as Schumpeter established that banking institutions channeled society's savings, via credit. Levine & Willis, (2017), conducted a study relating the development of the financial system and economic growth during 45 out of 100 countries; countries that began in 1960 with higher levels of private credit grew faster. An economic model was made with panel data from a sample of 64 SMEs in the sector in the period 2012 to 2018, as a result we obtained after the corresponding estimates and model adjustments; that private credit has a positive relationship like the GDP of the sector with the income from sales of SMEs at a significance level of 5% and 1%.