Desarrollo económico de las microempresas a partir de los beneficios crediticios desde las entidades financieras públicas.

Abstract

Microenterprises represent a source of employment; their economic growth favors not only the owners, but the whole country. To stay in the market they need authenticity, innovation, increased productivity and offer good products or services to customers, for that in many occasions they need credit that gives them the facility to meet the needs required by the microenterprise. The microenterprise sector has had a great evolution thanks to the help of Public Financial Entities that have credits exclusively for microenterprises, promoting their economic development and strengthening their competitive level within the market, the financing granted by these entities vary depending on the policies of each institution, in addition to the management of financing plans made by the microenterprises to meet the requirements of each bank. This research work applies a methodology based on a positivist approach and a qualitative methodology, in addition to other techniques that contribute to the collection of information. In the same way, a survey directed towards microentrepreneurs is detailed to determine results through the analysis of statistical graphs obtained from each of the questions that were designed to know the economic development of their microenterprises based on the credit benefits provided by public financial entities. At the end of the investigation, it was determined that microenterprises normally start their activities with their own capital, and that they manage financing plans to access the credits offered by public financial entities, most of which are used to expand their facilities and increase productivity. It is also known that public financial institutions do provide facilities for microentrepreneurs, such as low interest rates, although a certain percentage consider that they are still high compared to their income.