Análisis del efecto económico del microcrédito otorgado por las cooperativas de ahorro y crédito del segmento 2 en las microempresas del sector comercial de la ciudad de Sangolquí, en el periodo 2017-2018.

Abstract

Analysis of the economic effect of the microcredit granted by the Savings and Credit Cooperatives of segment 2 in the micro businesses of the commercial sector of the city of Sangolquí, in the period 2017 - 2018. Within the problem statement, it is emphasized that the microcredits granted by the Savings and Credit cooperatives are a main and support part of the country's financial structure, through which it can be known that the Savings and Credit cooperatives of segment 2 In the microenterprises of the commercial sector of the city of Sangolquí they have become a fundamental role in the financial aspect, however, many microenterprises cannot access because of the type of documentation they request, or the guarantees they cannot cover. It is also important to define a methodological framework that will allow obtaining valid data of the target market, in this study the quantitative approach will be used, for which the same survey tool that is addressed to the microenterprise population of the city of Sangolquí is used, within From the relevant questions, it was known that 83% of microenterprises have applied for a loan for economic and social development, allowing their sustainability within a highly competitive market, using said financing in the acquisition of fixed assets, working capital and , other investments to improve production processes.