Determinantes de la demanda de crédito informal en los comerciantes de la bahía de Guayaquil, periodo 2015 – 2019.

Abstract

Informality in the last decade has resulted in the rise of various unregulated markets, among the points of interest, the financing needs of companies and businesses have generated a shortage of supply in the traditional credit and loan market resulting in a market imbalance, mainly in businesses with high inventory turnover such as commerce, this work seeks to identify the determinants of the demand for informal credit by merchants in the bay of Guayaquil, an area where they are mainly engaged in commerce and financing. informal, through a Logit model, probabilities of access to informal financing were identified as well as the most relevant factors through oddratios, among the results qualitative factors such as age, level of education as well as the conditions presented by the credit, form payment of informal credit, means of obtaining credit or loan o and destination or use, presented statistical significance in the decision to make use of informal credits on a recurring basis.