Análisis del microcrédito otorgado por Banco Procredit y su impacto al sector microempresarial de la ciudad de Riobamba período 2013-2014

Abstract

This research aims at an “analysis of microcredit granted by ProCredit Bank and its impact on the microenterprise sector of the city of Riobamba, in 2013 – 2014 period.” To determine what is the impact of microcredit, on the financial situation of the companies and businesses; besides it collects a base line with which to make decisions, provide better service, create value for the customer and reduce the risk of default. The type of research is descriptive – retrospective – transversal, as is performed in a certain period: 2013 – 2014 and it describes the impact of one variable on the other, in relation to the type is mixed, that is qualitatively and quantitatively, in the quantitative, indicators of liquidity and debt are analyzed, on the other hand the qualitative analyzes customers’ preferences in relation to receive training with regard to financial management. The results of the research showed positive changes that reach 50% mainly on account of current assets, non-current assets, sales and profits, for the three types of companies analyzed in terms of profitability indicators and debt that varied a 25% respectively. It also determined the need to implement a training program direct at improving the ability of clients in relation to financial aspects. It recommends the application of the proposal for training to the partners with topics as: financial statements, financial analysis, indicators and breakeven; thus generating an efficient and proper management of microenterprises.