Planificación financiera como herramienta para la toma de decisiones en los artesanos que producen muebles de mimbre en la ciudad de Montecristi.

Abstract

This research analyzes and determines the financing alternative for micro-artisan enterprises dedicated to the production of wicker furniture in Montecristi, an economic and cultural activity significant to the region. However, these businesses face challenges such as a lack of financial capital, high production costs, and the absence of financial planning, which negatively impacts their profitability. The study employed analytical, descriptive, and quantitative methods, complemented by interviews and observation sheets directed at business owners. Financial needs were identified, and the characteristics of various financing sources were evaluated, considering factors such as interest rates, payment terms, and flexibility. After analyzing the options offered by financial institutions, it was determined that the most suitable alternative is the proposal from Banco Manabi, which offers a competitive interest rate of 11.80%, convenient payment terms, and monthly installments of $221.44, manageable within the projected income of the artisans. This financing will enable microartisan enterprises to strengthen their production processes, procure raw materials, and improve product quality, thereby ensuring economic sustainability and competitiveness in the market. The research concludes that implementing financial planning tools is essential for artisans to manage the resources obtained through financing effectively, maximizing investment benefits and avoiding future profitability issues. Additionally, it is recommended that business owners leverage external credit as a strategic opportunity to increase productivity and consolidate their position in the artisanal market.