Limitaciones del sector no Financiero de la Economía Popular y Solidaria (EPS), para acceder a Créditos de Finanzas Solidarias, Guayas, 2019
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2021-03
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Universidad de Guayaquil. Facultad de Ciencias Económicas.
Resumen
El Ecuador ha dado pasos importantes en la inclusión económica, al incorporar en la
constitución de la República del 2008, al Sistema Económico Social y Solidario,
contando con normativa e instituciones para impulsar a sus actores, el sector
financiero y el sector no financiero de la Economía Popular y Solidaria (EPS). Sin
embargo, en el análisis descriptivo realizado con data de información secundaria
obtenida de fuentes públicas relacionadas al mencionado sistema, sólo el 6,4% del
sector no financiero de la EPS accede a créditos, evidenciando la poca inclusión
financiera de sus miembros, como beneficiarios de la colocación de créditos
productivos para expansión de sus prácticas solidarias; poniendo en riesgo tanto al
desarrollo endógeno de las unidades productivas, como su existencia en el mercado,
al no contar con liquidez para el acceso a la apropiación y transformación de los
medios de producción, restringiendo el real funcionamiento del Sistema Económico
Social y Solidario. Evidenciando también, que el sector financiero de la EPS, actúa
bajo la lógica comercial de la banca privada y cumple deficientemente en el
apalancamiento de las finanzas solidarias.
Ecuador has taken important steps in economic inclusion, by incorporating into the Constitution of the Republic of 2008, to the Social and Solidarity Economic System, counting on regulations and institutions to promote its actors, the sector financial and non-financial sector of the Popular and Solidarity Economy (EPS). Without However, in the descriptive analysis carried out with secondary information data obtained from public sources related to the aforementioned system, only 6.4% of the EPS non-financial sector accesses loans, showing little inclusion members, as beneficiaries of the placement of loans productive for the expansion of their solidarity practices; putting both the endogenous development of productive units, such as their existence in the market, by not having liquidity for access to the appropriation and transformation of the means of production, restricting the real functioning of the Economic System Social and Solidarity. Also showing that the EPS financial sector acts under the commercial logic of private banking and performs poorly in the leveraging solidarity finances.
Ecuador has taken important steps in economic inclusion, by incorporating into the Constitution of the Republic of 2008, to the Social and Solidarity Economic System, counting on regulations and institutions to promote its actors, the sector financial and non-financial sector of the Popular and Solidarity Economy (EPS). Without However, in the descriptive analysis carried out with secondary information data obtained from public sources related to the aforementioned system, only 6.4% of the EPS non-financial sector accesses loans, showing little inclusion members, as beneficiaries of the placement of loans productive for the expansion of their solidarity practices; putting both the endogenous development of productive units, such as their existence in the market, by not having liquidity for access to the appropriation and transformation of the means of production, restricting the real functioning of the Economic System Social and Solidarity. Also showing that the EPS financial sector acts under the commercial logic of private banking and performs poorly in the leveraging solidarity finances.
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ECONOMÍA POPULAR Y SOLIDARIA, FINANZAS SOLIDARIAS, FINANCIARIZACIÓN, INTERMEDIACIÓN FINANCIERA