<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2218-3620</journal-id>
<journal-title><![CDATA[Revista Universidad y Sociedad]]></journal-title>
<abbrev-journal-title><![CDATA[Universidad y Sociedad]]></abbrev-journal-title>
<issn>2218-3620</issn>
<publisher>
<publisher-name><![CDATA[Editorial "Universo Sur"]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2218-36202018000200120</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Estrategia crediticia integral, una opción para pequeñas y medianas empresas en el Ecuador]]></article-title>
<article-title xml:lang="en"><![CDATA[Comprehensive Credit Strategy, an option for Small and Medium-sized Enterprises in the Ecuador]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[García Saltos]]></surname>
<given-names><![CDATA[María Beatriz]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Juca Maldonado]]></surname>
<given-names><![CDATA[Fernando Xavier]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Mora Sánchez]]></surname>
<given-names><![CDATA[Norman Vinicio]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Metropolitana  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>República del Ecuador</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Técnica de Machala  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>República del Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>02</month>
<year>2018</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>02</month>
<year>2018</year>
</pub-date>
<volume>10</volume>
<numero>2</numero>
<fpage>120</fpage>
<lpage>127</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_arttext&amp;pid=S2218-36202018000200120&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_abstract&amp;pid=S2218-36202018000200120&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_pdf&amp;pid=S2218-36202018000200120&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN En el artículo se realiza un análisis teórico sobre los principales problemas que tienen las pequeñas y medianas empresas en el Ecuador, respecto al acceso de crédito y los problemas derivados, tomó como referente de estudio la actividad que desempeña la Corporación Financiera Nacional en la provincia de El Oro, institución pública con una trayectoria dilatada en servicios financieros de apoyo a los sectores productivos. En la revisión de literatura este trabajo, realizó estudios empíricos sobre liquidez de las empresas y sus problemas para conseguir crédito, garantías exigidas, tiempo de vigencia de las empresas, entre otros, de Ecuador y otros países, que develan la realidad crediticia que se vive. A partir de la descripción de dichas realidades, se aportó una estrategia crediticia que les permita ser apoyadas desde la corporación financiera de la provincia.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT In the article, a theoretical analysis is carried out on the main problems that small and medium enterprises have in Ecuador. Regarding credit access and the problems derived from it, the study carried out by the National Financial Corporation in the province of El Oro, a public institution with a long history of financial services to support the productive sectors. In the literature review of this work, he made empirical studies on the liquidity of the companies and their problems in order to obtain credit, demanded guarantees, time of validity of the companies, among others, of Ecuador and other countries, that reveal the credit reality that is lived. From the description of these realities, a credit strategy was provided that allows them to be supported by the financial corporation of the province.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Acceso al crédito]]></kwd>
<kwd lng="es"><![CDATA[PYMES]]></kwd>
<kwd lng="es"><![CDATA[Corporación Financiera Nacional]]></kwd>
<kwd lng="es"><![CDATA[estrategia integral crediticia]]></kwd>
<kwd lng="en"><![CDATA[Access to credit]]></kwd>
<kwd lng="en"><![CDATA[PYMES]]></kwd>
<kwd lng="en"><![CDATA[National Financial Corporation]]></kwd>
<kwd lng="en"><![CDATA[integral credit strategy]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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