Análisis financiero en el proceso de un crédito bancario para la inversión de un proyecto emprendedor.

Abstract

People have bet more and more on entrepreneurship since the employment rate is getting lower, even more so due to the COVID-19 pandemic that is plaguing the country. For this reason, financial entities influenced the economic reactivation of the country and within their portfolio of services they have created segments of opportunities to finance projects. As is the case of the project, in which a client decided to request a bank loan of $10,000.00 for a term of five years and a minimum interest rate from a financial institution to start a grocery store. For this reason, the research aimed to carry out a financial analysis in the process of a bank loan for the investment of an entrepreneurial project, through the descriptive analytical methodology, since part of the financial analysis to know the process of a bank loan, Likewise, a bibliographic review was carried out in works, official accounts, secondary sources and consultations with experts in bank credit services. What was obtained as a result, that at the expense of the Banecuador bank, the client was able to access a loan of $10,000.00 at an interest rate of 15.30% within a period of three years, to be able to start his grocery business.