LOS MICROCREDITOS BANCARIOS DEL SECTOR PÚBLICO Y SU APORTE A LAS PYMES EN LA CIUDAD DE GUAYAQUIL

Abstract

This research work aims to study micro-credit and its contribution to socio-economic SMEs progress valued through public financial institution located in Guayaquil. A current presentation of SMEs will be held by determining the importance that have these for economic development, processing and provision of jobs that produce, problems that have tolerated for growth and organizations that help develop new micro-entrepreneurs. This work will determined and investigate the microenterprise lending activity through the role played by the Superintendence of banking and insurance as a controlling entity of the financial system in various micro-credits granted, emphasizing that these have been transformed into positive instruments for the country, creating sources of work. In the research will be established the methodology for the collection and compilation of information and the interpretation of results; further analyze the necessary tools for the diagnosis of the factors that directly and indirectly affect SMEs in the city and finally will present the conclusions and recommendations of the research.