Análisis de la gestión de financiamiento para un proyecto de emprendimiento considerando el monto a solicitar y tasa de interés.

Abstract

The objective of this research work has been to determine the appropriate source of financing according to the segmentation that we can type in the case presented to us. The methodology used in the case study has been descriptive analytical research, literature review based on papers, secondary data sources, and consultation with experts on issues related to the national financial system. It was possible to identify the best option as a source of financing by having had the alternative to work with a state financial institution such as BanEcuador, which grants loans to young people from 18 to 29 years without guarantees to undertake, the “Young Impulse Credit” thus called works with a nominal interest rate 15.3%, the amount to be lent is USD 10,000. Applicable with a French amortization table, which establishes the values to be paid for 5 years (60 months), monthly payments of USD 239.48 with a total value to be paid at the conclusion of the USD 14,368.80 loan, the processes for Generate a loan with a natural person. Having results and development of the case, it could be concluded that for a person or company to be qualified for a loan, it must inevitably support his or her sources of income, in addition to being a company or requesting high amounts the client must always have a collateral, that is a guarantee that can be an asset, negotiable documents to give greater support and less risk to the operation.