Factores que afectan el acceso al crédito de las Mipymes de Guayaquil, sector construcción 2013 - 2017.

Abstract

There are many problems for the start, development and growth of MSMEs in the country, especially the limited access they have to formal credit. This research work aims to identify the most important factors that hinder access to credit for these MSMEs. The design used for this research was non-experimental and applied in a transversal way, at the same time the type of research is descriptive, since the research has sufficient theoretical support. Likewise, the approach used is qualitative, since due to lack of time and budget, the quantitative approach was not possible. In order to collect information and identify the main factors that affect access to credit for MSMEs, interviews were conducted with 15 owners or managers of MSMEs specifically in the construction sector, in distributors and warehouses that sell all kinds of goods. construction materials, located in the northwest sector alborada, sauces and in the center of Guayaquil on Machala and Quito avenues. As a conclusion, it was determined that the main factors that negatively affect access to financing for MSMEs by banks and cooperatives are the high interest rates, the length of time they request to be established, and the complicated and demanding requirements. guarantees they request.