Plan de contingencia financiero en situaciones catastróficas para los comerciantes artesanales del cantón Montecristi Financial contingency plan in catastrophic situations for the artisan merchants of the Montecristi city

Abstract

In recent times, Ecuador has presented disasters that correspond to natural phenomena and the interrelation of cultural, socioeconomic, political and health factors. Fundamental reasons to develop a financial contingency plan in catastrophic situations for small and medium artisan merchants to help maintain and strengthen sustainability in catastrophic situations. An analysis of threats and vulnerabilities to which they are exposed is proposed, whose finding was the economic risk, a phenomenon that is exacerbated due to the non-existence of that contingency plan, which will allow addressing the issues from the diagnosis, both internal as external, planning, in the different types of markets to which they may be exposed in the future, to the specific proposal that generates the mechanisms that guarantee the sustainability of small and medium-sized artisan merchants in catastrophic conditions, that helps improve all possible scenarios of difficult situations with elements such as the use of technologies, establishing new specific sales strategies focused on the development of merchants, and good tax advice, which allowed maintaining and somehow strengthening the productivity and income of these businesses, which allows this artisanal sector to be maintained over time, strengthening Considering the economy and quality of life of owners and collaborators, this descriptive, analytical and review research, oriented to a documentary type, is carried out based on a documentary and bibliographic analysis. The results yielded a standard methodology that can be applied in other homogeneous regions with similar characteristics.