Efectos de la recepción de créditos por parte de las personas naturales y jurídicas comercializadoras de productos de ferretería, ubicadas en el cantón Mejía – parroquia Machachi.

Abstract

The purpose of this article is to know what are the effects of receiving credits by natural and legal persons that sell hardware products, the place of investigation, to carry out the study; It is located in the canton Mejia - Machachi Parish, located 55.8 km in reference from Quito; The objective is to make known what are the reasons and motives that companies that live around this sector live day by day. The following regulations are applied such as the Law on the Superintendence of Banks, Internal Revenue Service, Public Procurement Service, so some key points will be considered: -Creation of the Natural or Legal Company. -Financing methods established by the Financial Institutions. -The feasibility that the company must have when obtaining a loan, with future benefits. -The form of payment to the credits acquired. -Credit treatment with Financial Institutions to support microenterprises and large companies. -Advantages and Disadvantages for commercial growth in the city and contribution to the community. -Participate in public procurement processes with the Decentralized Autonomous Government of Canton Mejia. Based on the compilation of the information obtained, by the natural and legal persons who sell hardware products, it was possible to know in a 3 concise manner the criteria of each one, about the credits that are granted by the Financial Institutions. With these evidences it was deduced that the companies would not opt for this financing measure, since they know the incidence that it would generate if they obtained a credit by the following main ideal: - High interest rates. - Fixed credit terms. - Delayed payments by the Municipal GAD of Canton Mejía. - Demanding guarantees within the Financial Institutions.