Créditos de la banca privada al sector agrícola del cantón Machala, provincia de El Oro. Período 2015-2019
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2020-03
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Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
Los créditos han sido considerados como herramienta fundamental para incentivar la inversión y productividad en distintas escalas, creando empleos e incrementando los ingresos. A lo largo de los años en el país se han generado ciertas dificultades al acceder a créditos debido diversos factores que limitan el proceso. El siguiente trabajo se realizó con el objetivo de analizar la situación de las líneas de crédito otorgados por parte de la banca privada hacia el sector agrícola del Cantón Machala en el período 2015 – 2019. La metodología que se desarrolló para este estudio fue mediante encuestas a las asociaciones agrícolas y de datos proporcionados de fuentes públicas y/o privadas. El resultado de la investigación refleja que las líneas de créditos más solicitadas son los créditos comerciales prioritarios empresariales y PYMES, por parte de las asociaciones pequeñas y medianas con montos de acuerdo a su volumen de producción. Se concluyó que las asociaciones más pequeñas solicitan incentivos para acceder a créditos colectivos, ya sea de manera directa con la implementación de una política crediticia blanda que proporcionen las entidades privadas, a través de una resolución que disminuya las tasas de interés en estos tipos de créditos, o de forma indirecta mediante el respaldo y trabajo en conjunto con diversas ONG, los cuales representan a los miembros de las asociaciones, y estarían encargados del proceso y gestión de créditos.
Credits have been seen as a key tool to encourage investment and productivity at different scales, creating jobs and increasing income. Over the years in the country, there have been some difficulties in accessing credits due to various factors that limit the process. The next work was carried out with the aim of analyzing the situation of the lines of credit granted by private banking to the agricultural sector of the canton Machala in the period 2015-2019. The methodology developed for this study was through surveys of agricultural associations and data provided from public and/or private sources. The result of the research reflects that the most requested credit lines are priority companies and commercial credits for SMEs by small and medium-sized associations with amounts according to their volume of production. It was concluded that smaller associations request incentives to access collective credits, either directly with the implementation of a soft credit policy provided by private entities, through a resolution that reduces the interest rates of such credits, or indirectly through support and work in conjunction with several NGOs, representing members of the associations, and in charge of the processing and management of credit.
Credits have been seen as a key tool to encourage investment and productivity at different scales, creating jobs and increasing income. Over the years in the country, there have been some difficulties in accessing credits due to various factors that limit the process. The next work was carried out with the aim of analyzing the situation of the lines of credit granted by private banking to the agricultural sector of the canton Machala in the period 2015-2019. The methodology developed for this study was through surveys of agricultural associations and data provided from public and/or private sources. The result of the research reflects that the most requested credit lines are priority companies and commercial credits for SMEs by small and medium-sized associations with amounts according to their volume of production. It was concluded that smaller associations request incentives to access collective credits, either directly with the implementation of a soft credit policy provided by private entities, through a resolution that reduces the interest rates of such credits, or indirectly through support and work in conjunction with several NGOs, representing members of the associations, and in charge of the processing and management of credit.
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CRÉDITOS, PIB AGRÍCOLA, CRECIMIENTO ECONÓMICO, SECTOR AGRÍCOLA