Impacto de la post pandemia covid-19 en los mercados de crédito en las pymes del cantón Machala 2020-2023.

Abstract

The COVID-19 pandemic has had a significant impact on the global economy, and the Machala canton has been no exception; Small and medium-sized businesses (SMEs) in this region have faced unique challenges due to the health and economic crisis. This study examines how the pandemic has affected credit markets for SMEs in Machala during the period 2020 to 2023. The purpose of the study is to analyze the impact of the changes in the dynamics of access to credit for SMEs in Machala post-pandemic, focused on identifying the difficulties faced by companies in obtaining financing. Data from surveys of local businessmen were used, considering the general trends observed in the credit market and the behavior of banking institutions during the post-pandemic period. In conclusion, a comprehensive approach is determined to strengthen SMEs in Machala, addressing crucial aspects such as financial management, access to financing and technological innovation. Implementing these strategies will allow companies to overcome current challenges and take advantage of future opportunities, contributing to the economic and social development of the Machala canton.