El micro emprendedor y sus fuentes de financiamiento en el sector comercial de la parroquia Machala, provincia de El Oro.

Abstract

Microentrepreneurs are those individuals who start and manage small businesses with the purpose of generating income and improving their quality of life; Unlike large companies, microenterprises are usually smaller in scale and operate in various sectors, ranging from services to artisanal production. These entrepreneurs play a fundamental role in economic development by generating employment and fostering innovation. The sources of financing for microentrepreneurs are diverse and adapted to their specific needs. In the first instance, many resort to their own savings or informal loans as an initial source of capital; They also have the option of accessing loans provided by financial institutions, whether banks or cooperatives specialized in microcredit, consumer and productive credit, which offer amounts with high interest, accompanied by inaccessible guarantees and abundant documentation. Another alternative is collective financing or crowdfunding, in which entrepreneurs present their projects to the online community in order to obtain financial support.