<?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>2521-2737</journal-id>
<journal-title><![CDATA[Revista Investigación y Negocios]]></journal-title>
<abbrev-journal-title><![CDATA[Investigación y Negocios]]></abbrev-journal-title>
<issn>2521-2737</issn>
<publisher>
<publisher-name><![CDATA[Facultad de Ciencias Económicas y Empresariales y la Universidad Mayor Real y Pontificia de San Francisco Xavier]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2521-27372024000100078</article-id>
<article-id pub-id-type="doi">10.38147/invneg.v17i29.273</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Elementos teóricos para la promoción y acceso al crédito en las PYMES en la provincia el oro]]></article-title>
<article-title xml:lang="en"><![CDATA[Theoretical elements for the promotion and access to credit in SMEs in the province of el oro]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Urdaneta Montiel]]></surname>
<given-names><![CDATA[Armando José]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Zúñiga Alvarado]]></surname>
<given-names><![CDATA[María Alejandra]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Paredes Cruz]]></surname>
<given-names><![CDATA[Renato Estuardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Moreira Basurto]]></surname>
<given-names><![CDATA[Clemente Aladino]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,aurdaneta@umet.edu.ec  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<aff id="Af2">
<institution><![CDATA[,mzunigaa@ups.edu.ec  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<aff id="Af3">
<institution><![CDATA[,rparedes@ueb.edu.ec  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<aff id="Af4">
<institution><![CDATA[,clemente.moreirab@ug.edu.ec  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>06</month>
<year>2024</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>06</month>
<year>2024</year>
</pub-date>
<volume>17</volume>
<numero>29</numero>
<fpage>78</fpage>
<lpage>89</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_arttext&amp;pid=S2521-27372024000100078&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_abstract&amp;pid=S2521-27372024000100078&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.bo/scielo.php?script=sci_pdf&amp;pid=S2521-27372024000100078&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El artículo de investigación examina los elementos teóricos para el acceso al financiamiento de las PYMES en América Latina, con énfasis en Ecuador. Se abordan problemas como la falta de oferta estructurada de financiamiento y obstáculos específicos para las PYMES en la región. Destaca el papel de la banca pública en la mitigación de fallas de mercado y la diversidad de género en las decisiones crediticias. Se centra en la Provincia de El Oro, proponiendo analizar los mecanismos de promoción y acceso desarrollados por la banca ecuatoriana entre 2000 y 2023. La metodología adopta un enfoque pragmá- tico y realista. El resultado más relevante del estudio es la formulación de una propuesta teórica que busca mejorar la relación entre la banca y las PYMES, facilitando un acceso más efectivo al financiamiento. Se considera la evolución del marco regulatorio, estrategias de mercadeo y condiciones crediticias para una inclusión financiera equitativa.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The research article examines the theoretical elements for SME access to financing in Latin America, with emphasis on Ecuador. It addresses problems such as the lack of structured supply of financing and specific obstacles for SMEs in the region. It highlights the role of public banks in mitigating market failures and gender diversity in credit decisions. It focuses on the Province of El Oro, proposing to analyze the promotion and access mechanisms developed by Ecuadorian banks between 2000 and 2023. The methodology adopts a pragmatic and realistic approach. The most relevant result of the study is the formulation of a theoretical proposal that seeks to improve the relationship between banks and SMEs, facilita- ting more effective access to financing. It considers the evolu- tion of the regulatory framework, marketing strategies and credit conditions for equitable financial inclusion.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[PYMES]]></kwd>
<kwd lng="es"><![CDATA[financiamiento]]></kwd>
<kwd lng="es"><![CDATA[banca]]></kwd>
<kwd lng="es"><![CDATA[inclusión financiera]]></kwd>
<kwd lng="es"><![CDATA[estrategias de mercadeo]]></kwd>
<kwd lng="es"><![CDATA[marco regulatorio]]></kwd>
<kwd lng="en"><![CDATA[SMEs]]></kwd>
<kwd lng="en"><![CDATA[financing]]></kwd>
<kwd lng="en"><![CDATA[banking]]></kwd>
<kwd lng="en"><![CDATA[financial inclusion]]></kwd>
<kwd lng="en"><![CDATA[marketing strategies]]></kwd>
<kwd lng="en"><![CDATA[regulatory framework]]></kwd>
</kwd-group>
</article-meta>
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