Análisis del otorgamiento de créditos a la microempresa en Ecuador: estudio de los factores determinantes

Yilena Montero Reyes; Joanna Maricela Gallardo Solís; María Magdalena Toalombo Capuz; David Estuardo Moscoso Jurado

doi:10.56294/sctconf2023374

Original

Published: 2023-09-24

DOI: https://doi.org/10.56294/sctconf2023374

Analysis of microenterprise lending in Ecuador: a study of determinant factors

Abstract

This work of literature review and evaluative critical analysis is directed to the analysis of lending to microenterprises in Ecuador and the ability to reflect on strategies that may be established as tools that allow greater efficiency in the development of lending activities in different organizations such as banks, credit unions, and others that operate throughout the country. It is for this reason that will deepen theoretical and conceptual aspects related to the financial system and introduction to credit as a basis for further analysis of the loan portfolio. Constitute the premises for the analysis and evaluation of the 5 C credit lending process in microenterprise where findings and irregularities that are common and can affect this process are indicated. Similarly, strategies in the credit field for indicating micro policies, procedures and other conditions for a successful and efficient credit granting process are presented.

Keywords:

Financial Engineering,

Microcredit Past Due Loans and Microenterprise,

How to Cite

Montero Reyes Y, Gallardo Solís JM, Toalombo Capuz MM, Moscoso Jurado DE. Analysis of microenterprise lending in Ecuador: a study of determinant factors. Salud, Ciencia y Tecnología - Serie de Conferencias [Internet]. 2023 Sep. 24 [cited 2024 Jul. 3];2:374. Available from: https://conferencias.saludcyt.ar/index.php/sctconf/article/view/374

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The article is distributed under the Creative Commons Attribution 4.0 License. Unless otherwise stated, associated published material is distributed under the same licence.

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IV Jornadas de Fundamentos y Aplicaciones de la Interdisciplina (JFAI2023)

Vol. 2 (2023)

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