Fuentes de financiamiento y su impacto en el desarrollo del sector microempresarial comercial del Cantón La Maná
The present investigation on the analysis of the sources of financing and their impact on the development of the commercial microenterprise sector, in the La Maná canton, province of Cotopaxi. For this purpose we used the types of research: bibliographic for the design of the scientific basis, throu...
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| Format: | bachelorThesis |
| Sprog: | spa |
| Udgivet: |
2017
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| Online adgang: | http://repositorio.utc.edu.ec/handle/27000/4645 |
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Tilføj Tag | Summary: | The present investigation on the analysis of the sources of financing and their impact on the development of the commercial microenterprise sector, in the La Maná canton, province of Cotopaxi. For this purpose we used the types of research: bibliographic for the design of the scientific basis, through descriptive research results were presented using graphs, correlational research was applied to determine the incidence of the variables under study. The research methods that were used for the development of the analysis were: the analytical, inductive and deductive method; The survey technique was also used for 362 owners. The results allowed to determine that the main characteristics of the sources of financing of the commercial microenterprise sector of the canton La Maná is that the majority was financed through the Cooperatives of Savings and Credit and the most requested line of credit was the productive SMEs; Having as destination the purchase of merchandise. While the measurement of the indicators allowed to establish that the average assets of the commercial sector of the canton La Maná is $ 3,000.00 up to $ 37,000, while gross profits stood at a total average of $ 20,074.59. The calculation of the level of indebtedness on the asset reflected a value of 2.65, the level of leverage stood at 2.87, establishing that microenterprises in the commercial sector are committed 2.87 times in relation to the existing patrimony. The results of the X2 for the two variables profitability and equity stood at 24.6 and 23.5 respectively, so the Ho hypothesis was rejected and Ha was accepted, which determined that the sources of financing do have a significant influence on profitability And the patrimony of the micro-enterprises of the commercial sector of the canton La Maná. |
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