Diseñar estrategias para la creación de bancos comunales y su incidencia en el financiamiento y microcrédito a los agricultores de la parroquia El Laurel del Cantón Daule
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2015
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Universidad de Guayaquil. Facultad de Ciencias Administrativas.
Resumen
Los microcréditos actualmente son esenciales para el desarrollo sostenible de la economía justa en los países pobres, y surgen a través de instituciones que combaten la pobreza, las micro finanzas aparecen para atender a personas de zonas rurales. La falta de entidades financieras en las comunidades rurales, sin lugar a dudas tiene consecuencias tales como: pérdidas en el proceso de producción que se dan por no contar con herramientas necesarias en la actividad agrícola, entre otros que se traducen a no tener solvencia económica y liquidez en los agricultores. Así también se identificó que los parámetros crediticios en la actualidad como montos, días plazo, porcentaje de interés ofrecidos por instituciones actuales limitan a los agricultores al acceso de préstamos, de igual manera que las personas en zonas rurales son de recursos económicos bajos, lo que imposibilita el financiamiento. Por tal razón se sugieren soluciones, a través de estrategias para corregir la ausencia de entidades de financiamiento donde se focalizan malos ingresos de los agricultores al término de su proceso de producción.
El presente trabajo logró un diagnostico socio económico popular y solidario, mediante técnicas de investigación como la observación, encuestas y entrevistas, se llegó a determinar las causas que originan el problema y lo mantienen latente y se formularon las medidas correctivas para lograr el eficiente financiamiento a los agricultores y la confiabilidad de sistemas financieros comunales oportunos.
Microcredit is now essential for sustainable development of economic justice in poor countries, and emerge through institutions that fight poverty, microfinance appears to cater to people in rural areas that are not served by formal regulate banking. The lack of financial institutions in rural communities, undoubtedly has consequences such as losses in the production process that occur due to lack of necessary tools in agriculture, among others that have not translated into financial solvency and liquidity farmers. Well it was identified that the credit parameters today as amounts within days, rate of interest offered by existing institutions limit farmers to access loans, just as people in rural areas are low income, which financing impossible. For this reason solutions are suggested, through strategies to correct the absence of bad lenders where farm incomes are focused on completion of the production process. This work achieved a popular and supportive socioeconomic diagnosis through research techniques such as observation, surveys and interviews, it was to determine the causes of the problem and remain latent and corrective measures were formulated to achieve efficient financing farmers and the reliability of communal timely financial systems.
Microcredit is now essential for sustainable development of economic justice in poor countries, and emerge through institutions that fight poverty, microfinance appears to cater to people in rural areas that are not served by formal regulate banking. The lack of financial institutions in rural communities, undoubtedly has consequences such as losses in the production process that occur due to lack of necessary tools in agriculture, among others that have not translated into financial solvency and liquidity farmers. Well it was identified that the credit parameters today as amounts within days, rate of interest offered by existing institutions limit farmers to access loans, just as people in rural areas are low income, which financing impossible. For this reason solutions are suggested, through strategies to correct the absence of bad lenders where farm incomes are focused on completion of the production process. This work achieved a popular and supportive socioeconomic diagnosis through research techniques such as observation, surveys and interviews, it was to determine the causes of the problem and remain latent and corrective measures were formulated to achieve efficient financing farmers and the reliability of communal timely financial systems.
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Palabras clave
Financiamiento, Microcredito, Entidades Financieras, Ahorro