Crédito productivo bancario y rentabilidad en las pymes de la ciudad de Riobamba.

ABSTRACT: This research work it’s about productive bank credit in SMEs in Riobamba city, where it mainly seeks to determinate what are the factors that influence the credit of SMEs clients of the International Bank in 2021, as well as describe the characteristics of SMEs, identify factors that involves the credit of companies and analyze the relevant causes that influence the credit of SMEs. The main results indicates the influence of variables about productive credit of SMEs in Riobamba. Among these, the ROA and number of employees stand out. These results highlight the complexity and variables that contribute to the financial performance of SMEs in this specific context. There is an inversely relation between company age, ROE and credit. While gender, ROA, net sales and number of employees have a positive relation with the dependent variable. Finally, the statistically significant variables are ROA and the number of employees. It was found that variables such as ROA and the number of employees are the main drivers of credit to SMEs in Riobamba. These results highlight the relevance of operational efficiency and human resource management in improving access to credit for SMEs. Although other variables also have their influence, the ROA and personnel management that has the greatest impact on the credit of these companies in the banking context of Riobamba. Keywords: Credit, companies, SMEs, variables

• Main Author: Rodríguez Freire, Axel Armando (author)
• Format: bachelorThesis
• Language: spa
• Published: 2024
• Subjects: Crédito; empresas; variables; pymes
• Online Access: http://dspace.unach.edu.ec/handle/51000/13381