Análisis del volumen de crédito bancario para las microempresas del sector textil en el Distrito Metropolitano de Quito en el periodo 2017 – 2023

Abstract

The present survey analyses the volume of bank credit for micro-enterprises in the textile sector in the Quito Metropolitan District during the period 2017-2023. Through an exploratory study based on secondary sources provided by supervisory entities such as the Superintendence of Banks, the Surveillance of Companies, Asobanca and the Central Bank, the characteristics of each variable analysed, including amounts and types of credit instruments for micro-enterprises in the textile sector, as well as their evolution, were identified. Using a descriptive, analytical and systemic approach, the development of micro-textile enterprises was also examined in terms of generated employment, sales income and net utility. This analysis was carried out in conjunction with the private banking sector, which represents the largest amount of funds allocated at the national level. The research concludes that, although there is a relationship between the growing evolution of bank credit and the development of micro-textile enterprises, this relationship is neither sufficient nor predominant to ensure the sustainability of this productive sector in the country.