El financiamiento crediticio asociado al crecimiento económico de las micro, pequeñas y medianas empresas, parroquia Carigán, cantón Loja
Access to credit financing for micro, small and medium-sized enterprises (MSMEs) is important within the business financial strategy since it allows to achieve market competitiveness, increase business profitability, and promotes employment and social inclusion. The objective of this study is to det...
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| Natura: | bachelorThesis |
| Lingua: | spa |
| Pubblicazione: |
2022
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| Accesso online: | https://dspace.unl.edu.ec/jspui/handle/123456789/24833 |
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Aggiungi Tag | Riassunto: | Access to credit financing for micro, small and medium-sized enterprises (MSMEs) is important within the business financial strategy since it allows to achieve market competitiveness, increase business profitability, and promotes employment and social inclusion. The objective of this study is to determine the credit financing associated with the economic growth of MSMEs from Carigan. This quantitative research was based on a nonexperimental design, a correlational model, and a hypothetical-deductive method. The data was collected through the review of the literature and the implementation of surveys. The participants of this study consisted of 60 business owners from Carigan who were selected to be surveyed through non-probabilistic sampling. The results show that microcredit and credit for SMEs are the credit facilities directed mainly towards MSMEs. Also, 51.7% of the business owners surveyed have been financed through third parties, such as credit entities. These monetary resources have been directed to the commercial sector for the most part and invested in capital goods. In addition, the Chi-square correlation reflects that the variables credit financing and economic-growth factors have a weak correlation. Therefore, it can be concluded that the economic growth of Carigan microenterprises is due to the access to other sources of financing, not purely to the credit granted by financial institutions nor the null investment in the other factors of economic growth since they are costly |
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