Distancia Relativa de Hamming: Evaluación del acceso de créditos financieros en pequeñas y medianas empresas ecuatorianas
Palabras clave:
Distancia de Hamming, créditos bancarios, expertizaje, lógica difusa, pequeñas y medianas empresas
Resumen
Las pequeñas y medianas empresas representan el motor productivo de los países, particularmente en Ecuador, estas empresas presentan limitaciones en su gestión financiera, elemento que restringe el acceso a créditos bancarios. El objetivo de la investigación es evaluar la capacidad de crédito financiero de pequeñas y medianas empresas manufactureras de Ecuador, partiendo del análisis de los requisitos exigidos por entidades financieras para el otorgamiento de créditos a estas empresas. A partir del empleo de la técnica de la distancia Relativa de Hamming como herramienta que ofrece la lógica borrosa, se proyecta un estudio de tipo explicativo, de corte cuantitativo. Como primera población se abordan cuatro grupos de empresas de sectores: Calzado, muebles de madera, orfebrería y textil, siendo los informantes clave gerentes o propietarios; una segunda población, las entidades financieras representadas por 14 agentes, expertos en procesos de evaluación y otorgamiento de crédito. Los resultados evidencian que por medio del instrumento se realizan mediciones que posibilitan determinar la proximidad entre requisitos y aspectos para otorgamiento de créditos a las empresas estudiadas. Es evidente que la empresa de muebles de madera con una distancia de 0,051 es la que tiene mayor opción de optar por aprobación de préstamos bancarios en Ecuador.
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2026-08-21
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Luna Altamirano, K. A., Melean Romero, R. A., Espinoza Pillaga, H. A., & Andrade Cordero, C. F. (2026). Distancia Relativa de Hamming: Evaluación del acceso de créditos financieros en pequeñas y medianas empresas ecuatorianas. Revista De Ciencias Sociales, 32(3), 315-337. https://doi.org/10.31876/rcs.v32i3.46091
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