<?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>S2218-36202018000500232</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[El microcrédito como activador del emprendimiento en Guayaquil]]></article-title>
<article-title xml:lang="en"><![CDATA[Microcredit as activator of entrepreneurship in Guayaquil]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Armendariz Zambrano]]></surname>
<given-names><![CDATA[Christian Ronald]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Aguilar Granja]]></surname>
<given-names><![CDATA[Paola Vanessa]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Duchi Ortega]]></surname>
<given-names><![CDATA[Bolívar Rosendo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Politécnica Salesiana  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>República del Ecuador</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Arquidiócesis de Guayaquil  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>República del Ecuador</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Ecotec  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>República del Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2018</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2018</year>
</pub-date>
<volume>10</volume>
<numero>5</numero>
<fpage>232</fpage>
<lpage>237</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_arttext&amp;pid=S2218-36202018000500232&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_abstract&amp;pid=S2218-36202018000500232&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://scielo.sld.cu/scielo.php?script=sci_pdf&amp;pid=S2218-36202018000500232&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[RESUMEN Para la presente investigación, se ubicaron a universitarios egresados de las carreras de negocios o empresa, que desearon hacer emprendimientos en la ciudad de Guayaquil, un segmento muy interesante pues, se les ofreció un micro crédito emprendedor desde el gobierno nacional para que se cumplieran sus éxitos, pero según la Corporación financiera nacional, en realidad de los 500.000 dólares ofrecidos del 2013, solamente accedieron a 30.000. La investigación utilizó el método de proposición de la falsación de Popper alpha (h0) y beta (h1) a través de la comprobación de la hipótesis, la muestra utilizada fue de 60 microempresarios en un sector comercial de la ciudad de Guayaquil. Se rechazó la proposición alpha planteada. Se acepta la proposición beta. Se observa con la investigación y los datos analizados que la teoría de YANUS de que el emprendimiento solo necesita del capital para que sea exitoso, se puede falsear porque hay otros factores más importantes, al menos en la sociedad guayaquileña de microempresarios.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[ABSTRACT For the present investigation, university graduates of business or business careers who wanted to undertake projects in the city of Guayaquil, a very interesting segment, were offered an entrepreneur micro-credit from the national government to fulfill their obligations successes, but according to the National Financial Corporation, in reality of the 500,000 dollars offered in 2013, only 30,000 were granted. The research used the Popper alpha (h0) and beta (h1) falsification proposition method through the verification of the hypothesis, the sample used was 60 micro entrepreneurs in a commercial sector of the city of Guayaquil. The proposed alpha proposal was rejected. The beta proposition is accepted. It is observed with the investigation and the analyzed data that the theory of YANUS that the enterprise only needs the capital to be successful, can be falsified because there are other more important factors, at least in the Guayaquil society of micro entrepreneurs.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Microcrédito]]></kwd>
<kwd lng="es"><![CDATA[micro empresario]]></kwd>
<kwd lng="es"><![CDATA[método de falsación]]></kwd>
<kwd lng="es"><![CDATA[factor emprendimiento]]></kwd>
<kwd lng="en"><![CDATA[Microcredit]]></kwd>
<kwd lng="en"><![CDATA[micro entrepreneur]]></kwd>
<kwd lng="en"><![CDATA[falsification method]]></kwd>
<kwd lng="en"><![CDATA[entrepreneurship factor]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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