Plan de emprendimiento de la empresa pagos-rápidos s.a. para otorgar microcréditos destinado a micro emprendedores de la ciudad de Machala.

Abstract

At present, the financial system in Ecuador is demonstrating that it can be trusted in a better way in both the public and private sectors than in previous years, and it is being characterized to win more and more customers. Even so, the need for a more agile and timely service is seen. A group of people as natural persons who expect to implement a business idea through microcredits granted by a company or financial institution for that purpose. The present investigative work is aimed at proposing the implementation of a non-banking correspondent company in the city of Machala, which grants microcredits, cash deposits, basic services payments, and a multinational company with the support of a banking institution. Microcredits arise from the need to have micro entrepreneurs to acquire capital for their businesses and ventures, which likes to compete in the local market with this type of service so efficiently. Pagos-Rápido SA, a company that would have the support of Bank de Pichincha to fulfill the purposes and needs of its clients, will also expand or grow the business of the clients and the company in question. The main objective of the research is to implement an entrepreneurship plan to grant microcredits quickly, with medium-term payment facilities with a lower interest rate than other financial institutions, these services will be granted by the company Pagos-Rápidos SA in the city of Machala, for to provide fast and agile service to customers of legal age who need to start a business idea, or natural persons engaged in retail without having to resort to as many paperwork in other financial institutions, in order to fulfill the objective, the implementation of this company which will provide its customers with the following services efficiently; microcredits, cash deposits, payment of basic services and bill payments of multilevel companies. The methodology used is qualitative, quantitative and bibliographic based on scientific articles of indexed journals. The company Pagos-Rápidos SA, will obtain benefits in terms of organizational growth as well as economic benefits which will allow it to expand and grant its benefits to other sectors of society, on the other hand the benefits to clients or micro entrepreneurs will be reflected in short term through commercial and micro business growth of each and every one of its customers. The users or clients will carry out their transactions quickly, there are few procedures for the effect from the comfort of their homes, since the different occupations of the current life of the community every time it becomes more difficult to go to the financial institutions representing a Take time considered and start a process which can last for weeks or months without obtaining favorable results for the needs as it is to start a business.