Determinación de garantías financieras y selección del sistema de amortización adecuado para un financiamiento de producción.

Abstract

Financing has been a normal and necessary activity for companies over time, has allowed to obtain resources that with the own capitals can not be acquired. However, there are some debt amortization systems that are presented as alternatives for the acquisition of a bank loan. In this research, a case study is analyzed where financing for production is acquired, so the general objective is to determine a suitable source of financing by analyzing their conditions and methods of amortization for the optimization of financial decision making. . The research methodology is descriptive, it has three phases: It began by planning the documentary review, continued with the completion of the documentary review and ended with the publication and application of the results for generation of the respective amortization tables. The results obtained were information on requirements and guarantees that are commonly requested by Ecuadorian financial institutions and monthly installments, amortization and interest on the capitalizable debt, quarterly and half-yearly; allowing to conclude that the guarantees to deliver for a production loan must consider but not exceed the operating cost to recover the debt that the banks have and that the German system is more convenient than the French one.