Instrumentos de crédito y la gestión del riesgo financiero en las Mypes del sector calzado, distrito de Trujillo, año 2020
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Date
2021
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Publisher
Universidad Nacional de Trujillo
Abstract
El presente trabajo de investigación tiene como objetivo principal demostrar la influencia de los instrumentos de crédito en la gestión del riesgo financiero en las MYPES del sector calzado, distrito de Trujillo. Para este estudio se utilizó el método correlacional descriptivo con el cual se buscará recoger información de las variables en tanto se pueda precisar el contexto de la investigación; como objetivos específicos se estableció diagnosticar el uso de instrumentos de crédito en las MYPES del sector calzado, examinar la gestión del riesgo financiero en las MYPES del sector calzado y relacionar la aplicación de instrumentos de crédito, que han asumido las MYPES del sector calzado del distrito de Trujillo, y los riesgos financieros. Se pudo determinar que las MYPES del sector calzado del distrito de Trujillo están inmersas en la adquisición de instrumentos de crédito con el fin de autofinanciarse para su operatividad y obtener beneficios que ayuden a impulsar sus negocios y mantenerlos en marcha, sin embargo, la variabilidad de estos beneficios en el año de estudio ha estado por debajo del margen por los acontecimientos recientes.
ABSTRACT The main objective of this research is to demonstrate the influence of credit instruments on financial risk management in the MYPES of the footwear sector in the district of Trujillo. For this study, the descriptive correlational method was used to collect information on the variables in order to clarify the context of the research; the specific objectives were to diagnose the use of credit instruments in the MSEs of the footwear sector, to examine financial risk management in the MSEs of the footwear sector and to relate the application of credit instruments, which have been assumed by the MSEs of the footwear sector in the district of Trujillo, and the financial risks. It was possible to determine that the MSEs in the footwear sector in the district of Trujillo are immersed in the acquisition of credit instruments in order to self-finance their operations and obtain benefits that help boost their businesses and keep them going; however, the variability of these benefits in the year under study has been below the margin due to recent events.
ABSTRACT The main objective of this research is to demonstrate the influence of credit instruments on financial risk management in the MYPES of the footwear sector in the district of Trujillo. For this study, the descriptive correlational method was used to collect information on the variables in order to clarify the context of the research; the specific objectives were to diagnose the use of credit instruments in the MSEs of the footwear sector, to examine financial risk management in the MSEs of the footwear sector and to relate the application of credit instruments, which have been assumed by the MSEs of the footwear sector in the district of Trujillo, and the financial risks. It was possible to determine that the MSEs in the footwear sector in the district of Trujillo are immersed in the acquisition of credit instruments in order to self-finance their operations and obtain benefits that help boost their businesses and keep them going; however, the variability of these benefits in the year under study has been below the margin due to recent events.
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Keywords
Riesgo financiero, Créditos, Mypes