El efecto de los microcréditos en las empresas afiliadas a la CALTU

Abstract

The Cámara de Calzado de Tungurahua groups 22 companies dedicated to the production, manufacture and manufacture of footwear and leather in the city of Ambato, the same that comprise between small, medium and large companies segments, currently the companies of the sector go to microcredit To be able to sustain its productive systems and to fulfill its proposed business objectives. Based on the above mentioned, the research work has focused on carrying out a relevant detailed analysis of the destination of the microcredit requested and the interest rate that is accessed by the companies associated with the CALTU. The data obtained through the application of the field research to the companies associated to the Cámara de Calzado de Tungurahua showed that the level of profitability is below the interest rate at which the microcredit is accessed and that the Destination of the same is used in low levels to activate and strengthen the productive system, the microcredit is sometimes used for personal expenses of the applicant and for payment of debts with government institutions and payment to workers. In this way, it is established that microcredit benefits directly the banking system and in a minimum percentage to the requesting companies, which allowed to analyze the financial indicator that the companies use the same one that is mostly of liquidity to be able to know the finance of debt cancellation.