Análisis situacional bancario de las PYMES ecuatorianas y perspectivas de soluciones ante su realidad actual
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Investigación y Negocios
Abstract
Las pequeñas y medianas empresas son fundamentales para dinamizar la economía de Ecuador, sin embargo, a menudo enfrentan dificultades para obtener financiamiento bancario, por lo tanto el objetivo de esta investigación es analizar el contexto de las PyMES ecuatorianas y brindar perspectivas de soluciones que coadyuven a su permanencia en el mercado, para ello metodológicamente se realizó un estudio cualitativo de nivel descriptivo-correlacional y diseño documental que comprende la revisión de investigaciones nacionales e internacionales relacionadas con la situación de la banca y las PyMES, así como la reflexión de las opiniones de los gerentes generales de entidades financieras y directores ejecutivos de dichas empresas del país, asimismo el estudio se sustentó por las mejores prácticas financieras actuales. La finalidad de los hallazgos es que a partir de la comprensión de la situación que enfrentan estas corporaciones poder proponer estrategias efectivas para el acceso al financiamiento y su sostenibilidad financiera.
Small and medium-sized enterprises are fundamental to energize Ecuador's economy; however, they often face difficulties in obtaining bank financing. Therefore, the objective of this research is to analyze the context of Ecuadorian SMEs and to offer perspectives of solutions that contribute to their permanence in the market, For this purpose, a descriptive-correlational qualitative study was carried out with a documentary design that includes the review of national and international research related to the situation of banking and SMEs, as well as the reflection of the opinions of the general managers of financial institutions and executive directors of these companies in the country, and the study was supported by the best current financial practices. The purpose of the findings is that, based on the understanding of the situation faced by these corporations, effective strategies for access to financing and their financial sustainability can be proposed.
Small and medium-sized enterprises are fundamental to energize Ecuador's economy; however, they often face difficulties in obtaining bank financing. Therefore, the objective of this research is to analyze the context of Ecuadorian SMEs and to offer perspectives of solutions that contribute to their permanence in the market, For this purpose, a descriptive-correlational qualitative study was carried out with a documentary design that includes the review of national and international research related to the situation of banking and SMEs, as well as the reflection of the opinions of the general managers of financial institutions and executive directors of these companies in the country, and the study was supported by the best current financial practices. The purpose of the findings is that, based on the understanding of the situation faced by these corporations, effective strategies for access to financing and their financial sustainability can be proposed.
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Vol. 18, No. 31