Aspectos esenciales en la asignación de créditos para pymes del sector automotriz en Villavicencio

Abstract

This descriptive work, with quantitative and qualitative elements, addresses the process of access to credit in banking entities by small and medium-sized enterprises (SMEs), for this, it was proposed to compare the processes of assigning and granting loans for SMEs in the automotive sector in four banking entities based in Villavicencio (Meta), and it was achieved by analyzing the characteristics and requirements that an SME in the automotive sector must meet to have access to a loan, determining the atypical aspects that can influence the credit approval process, and presenting the thematic contents in an information booklet that includes the requirements and elements that favor the probability of acquiring a financial loan from these four banking entities addressed. An Interview with officials from four banks and a Survey with fourteen companies on Avenida Los Maracos in the city of Villavicencio were applied as information gathering instruments, and the project was carried out in three phases; The results were systematized, the conclusions suggest a high degree of compliance and recommendations were proposed for the efficient attainment of credit resources in the banks that are present in the region.