Fuentes de financiamiento y su impacto en el desarrollo del sector micro empresarial agrícola en el cantón la Maná, provincia de Cotopaxi

The overall objective of the research was to evaluate the sources of financing and their impact on the development of the micro-enterprise sector in the town of La Mana, in the province of Cotopaxi, which was concrived to face the lack of research on the characteristics, amounts of assets, liabilities, equity and the percentage of growth experienced; in addition, the type of financing and credit lines used by the owners of the various agricultural segments. In order to fulfill this purpose we used descriptive, correctional and inductive methods, deductive. For the investigation was based on the population universe, the 896 agricultural producers said information was granted by the Internal Revenue Service (SRI) agency, the same that applying the formula of population sampling was able to obtain a sample of 277 micro entrepreneurs to which the surveys were applied. Among the characteristics of the sources of financing it was established that 52% have accessed credits in the crop segments such as banana, orange cacao, maize, cassava and other crops. While the crops with the highest incidence are banana and cacao; in the case of producers, if they acceded to the credits, 92% went to the Banks and Credit Unions (COAC), which showed that there are credit lines for consumption, microcredit, productive credit and credit for trading with amounts up to $ 25,000.00, which were granted according to the projected cash flow of financial institutions with maximum terms of 48 months and the interest rate varies according to the type of credit. Regarding the measurement of the micro-enterprise development of the agricultural sector, it is important to emphasize that 93% of the agricultural producers allocated credits for the production and development of their plantations, whose credit amounts are in a maximum range of $ 8,000, 00, while loans in fixed assets was 44% increase. The level of incidence of financing sources in the agricultural micro-enterprise sector occurred at an average level because the average items of liquidity and assets were higher among microenterprises that did not use financing.