Microempresas del sector comercial: dificultades que tienen para acceder a microcréditos en la ciudad de Machala.

Abstract

Microenterprises are essential for productive development and employment generation, especially in local economies. This study focuses on microenterprises in the commercial sector in Ecuador, highlighting their role in the country's socioeconomic dynamics and their challenges, such as limited access to financing and financial education. It analyzes the impact of microcredit, a key tool for these enterprises, on their ability to overcome economic obstacles and grow. In addition, it examines the conditions for accessing microcredit in the city of Machala, highlighting the barriers faced by microenterprises, such as lack of collateral and insufficient credit history. This analysis seeks to understand how microenterprises can improve their financial sustainability and contribute to local economic development. A mixed methodology combining qualitative and quantitative approaches was used to carry out this analysis. Interviews were conducted with microentrepreneurs and statistical data on access to microcredit in the region were analyzed. Documents and records of financial institutions were also reviewed to evaluate current credit policies. This approach allowed a comprehensive understanding of the financial situation of microenterprises and the difficulties they face in accessing financing, providing a detailed view of their needs and growth potential.