CRÉDITOS COMO INSTRUMENTO DE CRECIMIENTO PARA PYMES UBICADAS EN PARQUE CALIFORNIA, CIUDAD DE GUAYAQUIL

Abstract

The objective of this study is to know and evaluate the capacity of Small and Medium Enterprises (SME) in the city of Guayaquil, to access credits from the financial system and the use of those resources; or if they finance their operations through non-financial credits; 3 These financing options are aimed at increasing your working capital. This category of companies represents an important factor due to its ability to face projects, find solutions, develop itself, providing sources of employment and maintaining dynamism within the increasingly competitive market, so that various groups of public and private sector production they pay great attention to its development, hence the importance of conducting this study to determine what factors are affecting its growth and its results to try to extrapolate it to other areas of the country. This study has been carried out qualitatively and descriptively, for which a survey was planned for all the SMEs identified in the California Park. As an interesting result, it was obtained that the financial credit is not the first option to grow due to not being able to cover the guarantees imposed by the bank, but they maintain their businesses through non-financial credits