Factores que operativizan el financiamiento crediticio a las microempresas de Guayaquil, Ecuador

Factors that operationalize credit financing for microenterprises in Guayaquil, Ecuador

Resumen

Resumen
La investigación tiene como objetivo analizar los factores que afectan el financiamiento bancario a microempresas en Guayaquil, identificando elementos para viabilizar créditos. Desarrollado con método deductivo y enfoque mixto, el estudio, de tipo descriptivo, observó 135,724 microempresas, con una muestra de 383 a un 95% de confianza. Los resultados destacan que los factores vinculados al contexto macroeconómico y la competitividad financiera afectan el financiamiento, aunque las necesidades prioritarias de las microempresas se centran en el capital de trabajo.
 Palabras clave: microempresas, financiamiento, capital de trabajo, factores coyunturales

Abstract
The objective of the present research is to analyze the factors influencing banking financing for microenterprises in Guayaquil. In this way, the aim is to identify the elements that facilitate loans for micro-entrepreneurs. The study employed a deductive method and a mixed approach. It was descriptive in nature, with a population of 135,724 microenterprises observed. The sample size, determined with a 95% confidence level, consisted of 383 microenterprises. The main results revealed that factors operationalizing financing for microenterprises are related to the macroeconomic context and the level of competitiveness in the financial market. However, the financing needs of microenterprises predominantly focus on working capital.
 Keywords: microenterprises, financing, working capital, conjectural factors