Redes neuronales en la valoración crediticia bajo incertidumbre en pequeñas y medianas empresas de Ecuador
Abstract
Las pequeñas y medianas empresas manufactureras de la ciudad de Cuenca Ecuador, enfrentan un riesgo financiero debido a su poca capacidad de cumplimiento de requisitos para la concesión de créditos por parte de las entidades financieras ecuatorianas. El objetivo de la investigación es desarrollar la técnica del expertizaje y contraexpertizaje, herramientas que ofrece la lógica difusa con el propósito de nutrir un grafo de redes neuronales para determinar los requisitos de menor cumplimiento, para acceder a créditos financieros por las organizaciones estudiadas. En lo metodológico, la investigación es de tipo explicativo, con enfoque cuantitativo, cuyo propósito es reducir la incertidumbre en la información obtenida de los expertos financieros de las empresas en estudio. Dentro de los resultados, se evidencia que en la aplicación de las herramientas del expertizaje, contraexpertizaje y redes neuronales, los requisitos de menor cumplimiento son similares, siendo el “flujo de caja proyectado” y el “plan de negocios”. Se concluye que con este aporte los directivos de las empresas conocerán cuáles son los requisitos bancarios de menor cumplimiento, a partir de ello podrán tomar decisiones correctas con el propósito de llegar a la obtención de créditos financieros.
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References
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2025-08-26
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Luna Altamirano, K. A., Melean Romero, R. A., Andrade Cordero, C. F., & Orellana Orellana, C. P. (2025). Redes neuronales en la valoración crediticia bajo incertidumbre en pequeñas y medianas empresas de Ecuador. Revista De Ciencias Sociales, 31(3), 313-333. https://doi.org/10.31876/rcs.v31i3.44286
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