Propuesta del procedimiento pymes-crebank para el acceso al crédito bancario en Guinea ecuatorial
Fecha
2019-06-25
Autores
Bokesa Esora, Concepción
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Editor
Universidad Central "Marta Abreu" de las Villas. Faculdad de Ciencia Empresariales. Departamento de Contabilidad y Finanzas
Resumen
Las pequeñas y medianas empresas conocidas por las siglas PYMES, juegan un papel importante en el sostenimiento de la economía mundial.A pesar de reducir de forma considerada el índice de desempleo en el mundo, y en su defecto en Guinea Ecuatorial, las PYMES siguen teniendo un impacto negativo a la hora de obtener acceso a los distintos tipos de fuentes de financiamiento, en especial la tradicional que es el financiamiento bancario.
La presente investigación se realizó con el objetivo de diagnosticar las dificultades que en este país presentan las PYMES para acceder al crédito bancario; todo lo cual sirvió de base para el diseño metodológico del procedimiento denominado PYMES CREBANK. Para su conceptualización fueron utilizados métodos de carácter estadístico-matemático y análisis de tendencias las que validan la pertinencia del procedimiento para el ecosistema ecuatoguineano. Como principal resultado con la propuesta del PYMES CREBANK se presenta esta herramienta que constituye un pilar insoslayable para el acceso al crédito bancario por parte de las PYMES.
The smalland median business known as enterprises for the PYMES abbreviations by initials, they play an important paper in the support of the worldwide economy. In spite of reducing in a considerate the index of unemployment in the world, and in your defect in Guinea Equatorial, the PYMES still have the negativeimpact on time to obtain access to the different types of sources of financing, specially the traditional that is the bank financing. The present investigation was carried out with the objective to diagnose the difficulties that in this country presents the PYMES to access to the bank credit; all the who server as base for the methodological designprocedurewhich is denominated PYMES CREBANK. For your conceptualization they were used methods of statistical mathematical character and analysis of tendencies those who validate the pertinence of the procedure for the ecuatoguineano ecosystem. As main result with the proposal for the PYMES CREBANK present is too constitutes an essential pillar for the Access to the bank of the PYMES.
The smalland median business known as enterprises for the PYMES abbreviations by initials, they play an important paper in the support of the worldwide economy. In spite of reducing in a considerate the index of unemployment in the world, and in your defect in Guinea Equatorial, the PYMES still have the negativeimpact on time to obtain access to the different types of sources of financing, specially the traditional that is the bank financing. The present investigation was carried out with the objective to diagnose the difficulties that in this country presents the PYMES to access to the bank credit; all the who server as base for the methodological designprocedurewhich is denominated PYMES CREBANK. For your conceptualization they were used methods of statistical mathematical character and analysis of tendencies those who validate the pertinence of the procedure for the ecuatoguineano ecosystem. As main result with the proposal for the PYMES CREBANK present is too constitutes an essential pillar for the Access to the bank of the PYMES.
Descripción
Palabras clave
Economía Mundial, Financiamiento Bancario, Crédito Bancario