Análisis de las colocaciones de microcrédito en la segmentación financiera I, popular, social y solidaria en la provincia de Guayas. Período 2016 - 2020 16 - 2020
Fecha
2022-09
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Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
Uno de los mayores desafíos para el gobierno y la sociedad ecuatoriana es establecer políticas que promuevan el desarrollo económico y social, con el objetivo de generar empleo e ingresos para las poblaciones más pobres. Las micro y pequeñas empresas se han convertido en el principal refugio de esta mano de obra desocupada en el país, y su sostenibilidad financiera depende, fundamentalmente, de la disponibilidad de crédito por parte de las instituciones bancarias tradicionales, lo que no ocurre, porque los empresarios operan en el ámbito de la informalidad y no cumplen con los requisitos de garantía para la financiación bancaria. Ante esta situación, surge el papel del microcrédito como inductor de una política crediticia destacada por el uso de metodología específica (garantía solidaria, agente de crédito, entre otros), con el objetivo de orientar los recursos crediticios a este segmento. La morosidad puede considerarse el principal problema del sector micro financiero, ya que una gestión ineficiente de la cartera de crédito incrementa los costos de transacción y hace inviable la sostenibilidad financiera y el crecimiento de la organización. El enfoque de la presente investigación es mixto, tanto cualitativo como cuantitativos. Se realizó una propuesta para promover estrategias de políticas públicas para un mayor acceso al microcrédito.
One of the greatest challenges for the Ecuadorian government and society is to establish policies that promote economic and social development, with the aim of generating employment and income for the poorest populations. Micro and small businesses have become the main refuge for this unemployed workforce in the country, and their financial sustainability depends, fundamentally, on the availability of credit from traditional banking institutions, which does not happen, because Entrepreneurs operate in the informal sphere and do not meet the guarantee requirements for bank financing. Given this situation, the role of microcredit emerges as an inducer of a credit policy highlighted by the use of a specific methodology (solidarity guarantee, credit agent, among others), with the aim of directing credit resources to this segment. Delinquency can be considered the main problem of the microfinance sector, since inefficient management of the credit portfolio increases transaction costs and makes the financial sustainability and growth of the organization unviable. The approach of this research is mixed, both qualitative and quantitative. A proposal was made to promote public policy strategies for greater access to microcredit.
One of the greatest challenges for the Ecuadorian government and society is to establish policies that promote economic and social development, with the aim of generating employment and income for the poorest populations. Micro and small businesses have become the main refuge for this unemployed workforce in the country, and their financial sustainability depends, fundamentally, on the availability of credit from traditional banking institutions, which does not happen, because Entrepreneurs operate in the informal sphere and do not meet the guarantee requirements for bank financing. Given this situation, the role of microcredit emerges as an inducer of a credit policy highlighted by the use of a specific methodology (solidarity guarantee, credit agent, among others), with the aim of directing credit resources to this segment. Delinquency can be considered the main problem of the microfinance sector, since inefficient management of the credit portfolio increases transaction costs and makes the financial sustainability and growth of the organization unviable. The approach of this research is mixed, both qualitative and quantitative. A proposal was made to promote public policy strategies for greater access to microcredit.
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DESARROLLO ECONÓMICO, DESARROLLO REGIONAL Y LOCAL, MICROCRÉDITO
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APA