Análisis del nivel de crédito bancario para el sector comercial de la ciudad de Machala.

Abstract

This case study aims to analyze the level of bank credit granted to the commercial sector in the city of Machala during the period 2020 - 2021, with the purpose of verifying whether credit is a primary and necessary source for the increase of income within microenterprises. The methodology is based on a documentary and descriptive research, with a quantitative and qualitative approach. For the respective analysis and obtaining of results, a questionnaire of 11 questions has been applied to 100 microenterprises in the city of Machala, concluding that 45% of the microentrepreneurs used the credit for working capital, which allowed their sales to increase, obtaining higher income and thus promoting a wider generation of employment within the commercial sector, thus originating a growth and economic development within the city.