Evaluación del impacto socioeconómico del crédito informal en los pequeños comerciantes de la parroquia de Pascuales de la ciudad de Guayaquil.

Abstract

This investigation studies and measures the evaluation of the socio-economical impact of granting informal credit to small business owners of the town of Pascuales in the city of Guayaquil. It will serve to recognize the reasons, the motives, and the consequences of having access to informal credit. The main objective of this work is to determine the social-economical impact of the topic of study, which was determined through interviews, in order to evaluate all the factors that have affected those with first-hand experience. Secondly, through the investigation, the situation was described and characterized using official statistics of microcredit in the city of Guayaquil during the year 2016, which allowed the determination of the possible reasons why the small businessmen living in Pascuales did not adhere to a legal system of microfinances, and will give us a clear conclusion and recommendations for a system where all the people and/or authorities that a re interested in continuing this investigation.