Publication: Créditos empresariales de CMAC PIURA y su influencia en el desarrollo de las MYPES – transporte, Huamachuco 2022-2023
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Date
2024
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Publisher
Universidad Nacional de Trujillo
Abstract
El estudio desarrollado tuvo como objetivo determinar la influencia de los créditos empresariales de CMAC PIURA en el desarrollo de MYPES del sector Transportes de la ciudad de Huamachuco. Se utilizó una orientación cuantitativa de índole descriptiva correlacional. Se trabajó con dos poblaciones conformadas por 85 MYPES del sector y 10 asesores de negocios de CMAC PIURA, de donde a través de la aplicación de un muestreo probabilístico para la población 1, se extrajo al azar una muestra significativa de 71 MYPES y para la población 2 se trabajó con todos debido a que es una población manejable. Para validar los instrumentos de recolección de datos, se empleó el método de Juicios de Expertos, mientras que, para evaluar la confiabilidad de los instrumentos, se aplicó el método de Alpha de Cronbach, obteniéndose un nivel aceptable. Asimismo, al comprobar el objetivo de investigación, se identificó una correlación alta entre ambas variables con un índice bilateral de 0.945 y un nivel de significancia de 0.000 (p < 0.05). Se concluyó que, los créditos empresariales tienen un impacto positivo en el desarrollo de las MYPES de transporte de la ciudad de Huamachuco, debido a que este les permite, desarrollarse en el aspecto económico, innovador, talento humano y reputación.
ABSTRACT The objective of the study developed was to determine the influence of CMAC PIURA business loans on the development of MYPES in the Transportation sector of the city of Huamachuco. A quantitative orientation of a correlational descriptive nature was used. We worked with two populations made up of 85 MYPES from the sector and 10 business advisors from CMAC PIURA, from where, through the application of probabilistic sampling for population 1, a significant sample of 71 MYPES was drawn at random and for the population 2 was worked with everyone because it is a manageable population. To validate the data collection instruments, the Expert Judgment method was used, while, to evaluate the reliability of the instruments, the Cronbach's Alpha method was applied, obtaining an acceptable level. Likewise, when checking the research objective, a high correlation was identified between both variables with a bilateral index of 0.945 and a significance level of 0.000 (p < 0.05). It was concluded that business loans have a positive impact on the development of transportation MYPES in the city of Huamachuco, because it allows them to develop in the economic, innovative, human talent and reputation aspects.
ABSTRACT The objective of the study developed was to determine the influence of CMAC PIURA business loans on the development of MYPES in the Transportation sector of the city of Huamachuco. A quantitative orientation of a correlational descriptive nature was used. We worked with two populations made up of 85 MYPES from the sector and 10 business advisors from CMAC PIURA, from where, through the application of probabilistic sampling for population 1, a significant sample of 71 MYPES was drawn at random and for the population 2 was worked with everyone because it is a manageable population. To validate the data collection instruments, the Expert Judgment method was used, while, to evaluate the reliability of the instruments, the Cronbach's Alpha method was applied, obtaining an acceptable level. Likewise, when checking the research objective, a high correlation was identified between both variables with a bilateral index of 0.945 and a significance level of 0.000 (p < 0.05). It was concluded that business loans have a positive impact on the development of transportation MYPES in the city of Huamachuco, because it allows them to develop in the economic, innovative, human talent and reputation aspects.
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Keywords
Créditos empresariales, Desarrollo MYPE, Planificación financiera