Estudio exploratorio en los negocios ubicados en los principales mercados en la ciudad de Riobamba para evaluar el aprovechamiento de los microcréditos

Abstract

The present work, focused on the non-existence of an evaluation process that generated wastage of microcredits in businesses located in the markets of the city of Riobamba, in order to carry out this exploratory research a field study was conducted using as research instruments observation cards applied in the market as well as surveys and interviews with both other researchers and the manager of markets in the city, it was taken into account the pandemic that is in the year 2021, the main findings established were: traders by belonging to the market have the ability to acquire credits for which 100% of respondents belong to the financial system and 80% had to obtain financing from these institutions in order to reactivate their businesses in the face of the current economic crisis, but their problem is the inefficiency of managing this money because they make microcredits apparently intended for their business but in reality they get to use most of this money in other expenses unrelated to the economic activity; To determine this, it was necessary to apply existing models capable of qualitatively evaluating the use of microcredit and then applying the SWOT, thus finding many weaknesses, revealing that they are very vulnerable to threats and unable to take full advantage of their opportunities. It is recommended to carry out training in the financial area to manage their business and money better, using new technologies that facilitate this and support from the municipality to control existing threats such as informal vendors