Estudio del crédito productivo otorgado por la banca privada a las pequeñas y medianas empresas de la construcción y su relación con la generación de empleo directo en la ciudad de Quito D.M., en el año 2014

Abstract

This Master’s thesis intends to evaluate the relation between the placements of productive credits given by the Private Banks to SME. It is based on an Economic – Financial evaluation which allows analyzing the influence of credit granted by the financial system to SME given their growing capacity to generate jobs and multiply the economy. The results of this dissertation show a way for evaluating three different factors i) the productive credit, ii) SME, iii) direct employment; and these are compared to establish an indicator that seeks to become a supporting tool for public and private institutions and businessman that require focusing their activities to this economy sector. The results of this study show not only the final destination of the productive credit, but also the development of a small and medium industry with its problems and the potential of its activity. The final part of this investigation proposes some actions to reduce inappropriate employment with the commitment of the private productive sector and the effort of public investment to improve the generation of work source and wealth.