Análisis del microcrédito en el desempeño financiero de pequeños negocios del cantón Salinas.

Abstract

This study examines microcredit from the experience of small traders in Salinas Canton, with particular attention to how they perceive its contribution to the financial performance of their businesses. The research focused on access conditions, the use of borrowed funds, and selected economic characteristics of the establishments. A quantitative approach was used, with a non-experimental, field-based, cross-sectional design and a descriptive scope. From a population of 320 traders, a sample of 145 participants was surveyed using a structured questionnaire. The findings show that 97 respondents (66.9%) had accessed microcredit at least once. Credit unions were among the most frequently used sources. More than 56% of the participants also identified requirements and guarantees as obstacles to obtaining financing. Among those who had received microcredit, the most common uses were working capital, inventory purchases, and improvements to business infrastructure. Overall, the results indicate that microcredit is part of the everyday financial dynamics of a substantial share of the businesses studied, although access continues to involve difficulties. Based on these findings, strengthening financial education and promoting credit products better suited to the conditions of small traders in Salinas are considered relevant actions.