Uso del leasing financiero y leasing operativo en Pymes de la ciudad de Paipa Boyacá

Abstract

Leasing is a financing mechanism that is growing in the country and the world due to the excellent alternatives it offers when investing and expanding companies. This study was carried out in the city of Paipa Boyacá, in order to know the use of leasing by SMEs that can benefit as this is an option to achieve competitiveness and business growth. The non-experimental design was chosen to develop the research, cross-sectional and descriptive type, quantitative approach; using an online survey as an instrument to collect the respective information from SME entrepreneurs in the city under study. The study contemplates the description of the product offer, as well as the use of financial and operational leasing demanded by small and medium-sized entrepreneurs in the city. In the investigation it can be detected that the lack of knowledge about the financial and operational leasing products and services offered in Paipa is a determining factor so that these SMEs do not take this financing option into account when presenting liquidity difficulties and scarcity of resources to finance its income-generating assets in these critical periods for the economy both locally, nationally and globally.