Incidencia de los microcréditos en el sector financiero popular y solidario de Guayaquil en el período 2013-2017
No hay miniatura disponible
Fecha
2020-03
Título de la revista
ISSN de la revista
Título del volumen
Editor
Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
El microcrédito constituye una herramienta financiera fundamental para reducir la exclusión financiera de las personas más vulnerables, y a través de pequeños préstamos que logran incrementar la renta de los individuos, proporcionándoles posibilidades de ahorro e inversión, para mejorar sus estándares de vida. A partir de la Constitución del Ecuador de 2008 se establece al sistema del Ecuador como popular y solidario y como instrumento, las microfinanzas basadas en principios de solidaridad, cooperatividad y reciprocidad. El presente trabajo tiene como objetivo determinar la incidencia de los microcréditos en el sector financiero popular y solidario de Guayaquil en el periodo 2013-2017; para ello se da a conocer los fundamentos de la economía popular y solidaria en el país, y a su vez los principales enfoques del microcrédito respecto a la visión de la banca tradicional y como alivio para la pobreza. La metodología utilizada se basó en la recolección de datos de fuentes primarias y secundarias, así como de instituciones públicas y privadas. El diseño de la investigación es de tipo no experimental, descriptiva. Como resultado se evidencia que el microcrédito ocupa un lugar importante en las finanzas populares de la ciudad, sin embargo, la banca privada es su principal rival en el mercado financiero, sumado al poco desarrollo proporcionado por esta herramienta debido fundamentalmente al destino de estos por parte de los mismos agentes intervinientes
Microcredit is a fundamental financial tool to end the financial exclusion of the most vulnerable people and are considered small loans that manage to increase the income of individuals, providing them with savings and investment opportunities to improve their living standards. Since the Constitution of Ecuador 2008, the popular and supportive system promotes microfinance based on the principles of good living. This work aims to determine the impact of microcredits on Guayaquil's popular and solidarity financial sector in the period 2013 – 2017; for it there are announced the essentials of the popular and united economy in the country, and in turn the main approaches of the microcredit with regard to the vision of the traditional banking and like mitigation for the poverty. The used methodology was based on the compilation of information of primary and secondary sources, as well as of public and private institutions. The design of the investigation is of not experimental type, descriptive. As result demonstrates that the microcredit occupies an important place in the popular finance of the city, nevertheless, the private banking is its main rival on the financial market, added to small development provided by this tool due fundamentally to the destination of the same ones on the part of the same agents participants
Microcredit is a fundamental financial tool to end the financial exclusion of the most vulnerable people and are considered small loans that manage to increase the income of individuals, providing them with savings and investment opportunities to improve their living standards. Since the Constitution of Ecuador 2008, the popular and supportive system promotes microfinance based on the principles of good living. This work aims to determine the impact of microcredits on Guayaquil's popular and solidarity financial sector in the period 2013 – 2017; for it there are announced the essentials of the popular and united economy in the country, and in turn the main approaches of the microcredit with regard to the vision of the traditional banking and like mitigation for the poverty. The used methodology was based on the compilation of information of primary and secondary sources, as well as of public and private institutions. The design of the investigation is of not experimental type, descriptive. As result demonstrates that the microcredit occupies an important place in the popular finance of the city, nevertheless, the private banking is its main rival on the financial market, added to small development provided by this tool due fundamentally to the destination of the same ones on the part of the same agents participants
Descripción
PDF
Palabras clave
MICROCRÉDITO, INCLUSIÓN FINANCIERA, VULNERABILIDAD, FINANZAS SOLIDARIAS