El financiamiento como eje de desarrollo para las Pymes en el sector textil de la Provincia de Tungurahua

Abstract

Financing in SMEs has been a relevant issue in their development, since it is considered that working capital goes hand in hand with success, most SMEs who begin to have higher incomes need the financial resources to increase their inventory and to help you continue to operate until you increase your cash flow to cover all your needs and keep moving forward. Therefore, the study that is carried out is about the importance or not of a micro-entrepreneur acquiring financing in order to achieve business growth, and where the internal or external factors of SMEs are determined so that their access to the financing is accessible or limited. The results obtained in the present study determine that financing is important before and during the creation of SMEs, regardless of any type of financing that is accessed. It is also identified that the majority of SMEs in the textile sector prefer to go to private institutions where they are granted a credit that allows them their financial development and market positioning and being even more competent, and continue to generate sources of employment for the province. The proposed proposal proposes a Strategic Financing Plan for small and medium enterprises, since it is important for the opening of a business idea, where there must be a good management of the economic resource acquired and its investment well distributed, finally choosing financial services that the entrepreneur needs from various sources, be it a bank, savings and credit cooperative, mutualists, etc. This entails having an excellent source of financial capital.