Non-formal financing for the entrepreneurship of a sme (small and medium-sized enterprise)

El objetivo del trabajo de investigación es identificar los tipos de financiamiento diferente al bancario y adecuado para una PYME. Al emprender un negocio es necesario recaudar la mayor información posible acerca del financiamiento adecuado, basado en las necesidades y capacidad de pago de cada emprendedor; éste debe conocer que no solo existen las oportunidades de apoyo financiero de entidades bancarias, puede buscar otras alternativas Se identificó que el tipo de financiamiento no formal más utilizado y confiable es el de las juntas o panderos que permiten al emprendedor no depender de entidades bancarias.The aim of the research work is to identify the types of financing different from banking and suitable for a SME. When undertaking a business, it is necessary to collect as much information as possible about the adequate financing, based on the needs and payment capacity of each entrepreneur; he should know that there's not only exist financial support opportunities from bank entities, he can look for other alternatives. It was identified that the most used and reliable type of non-formal financing are the “Juntas” or “Panderos” that allows the entrepreneur to don't depend on banking entities