THE MICROLEASING AS ALTERNATIVE FOR THE PROMOTION OF MICRO, SMALL AND MEDIUM COMPANY (MSME)

Abstract

This article is based on the Microleasing and its feasibility is based on the Mipymes during 2012. By studying Mipymes it was found some weaknesses, without overcome during décadas, have decreased their ability to access funding, to compete in the international market, and marketing their products, among others. The results indicate that Mipymes, have only managed to stay subsisting in the midst of economics crisis. The application has been fruitful, however in the draft Law of Leasing, are not included as subjects in this contract.

Some of the main conclusions of the study are:Leasing has been highlighted as an instrument that has been used to found goods, mainly furniture, such as agricultural machinery, equipment, vehicles, etc., its main focus is on funding; once the purchase between supplier and owner (lessor) has been done, this gives the property acquired to a leaser during a certain period of time, receiving a periodical payment and establishing purchase option when contract ended.

The need for inclusions is emphasized in the draft Law on Leasing with specific in tems Microleasing regulation.

The main benefit of Microleasing is the attenuation of collateral requirements. FINARCA y Bancentro are adhesion contracts that contain unfair terms as to the responsibility of the Lessor to risks and rights of the lessee.