Financiamiento formal e informal de las adjudicatarias de víveres y provisiones del mercado Gran Colombia de la ciudad de Loja

Financing is a mechanism through which capital is provided to a person or company, this is a key element in the success of any project, since it involves the resources needed to start it up. There are two types of financing: formal financing, which is provided by financial institutions regulated and supervised by the government, such as banks, credit unions, investment funds, among others; and informal financing, which refers to financing obtained through unregulated channels such as friends, relatives, private lenders, among others. This type of financing does not have specific requirements and, in many cases, no documentation or guarantees are required to obtain a loan; however, it is usually riskier and more costly. The objective of this research is to analyze the interaction between formal and informal financing and the economic development of the women who sell groceries and provisions in the Gran Colombia market in the city of Loja. For this purpose, 92 people engaged in the sale of groceries and supplies were surveyed. The main findings of the research indicate that 85 % of the women have obtained financing for their business, of which 23 % do so through financial institutions and 77 % are financed through other sources.

• Автор: Pardo Chamba, Selene Margoth (author)
• Формат: bachelorThesis
• Мова: spa
• Опубліковано: 2023
• Предмети: FINANZAS; MERCADO; VIVERES; LOJA
• Онлайн доступ: https://dspace.unl.edu.ec/jspui/handle/123456789/28030