Análisis de la participación del financiamiento del sistema financiero en el sector productivo de las zonas rurales en el Ecuador.
Archivos
Fecha
2022-01
Autores
Título de la revista
ISSN de la revista
Título del volumen
Editor
Universidad de Guayaquil. Facultad de Ciencias Económicas
Resumen
El crédito rural es el financiamiento otorgado por bancos y cooperativas a los productores rurales, los cuales, utilizan los recursos concedidos por las instituciones financieras. El principal propósito del presente trabajo investigativo es determinar la participación, metodologías, tasas de interés y mecanismos de protección, del financiamiento del sistema financiero (popular/ privado y público) en el sector productivo de las zonas rurales en el Ecuador durante el periodo 2016-2020. La investigación es de enfoque mixto, tanto cualitativo como cuantitativo, con lo cual se investigaron metodologías crediticias y mecanismos de protección del financiamiento al sector rural. Se realizó una propuesta para la creación de un nuevo seguro para los préstamos productivos del sector rural con el propósito de mejorar la calidad de vida de los habitantes de las zonas rurales del Ecuador, con lo cual se proveerá a estos de la de la infraestructura necesaria para mejorar el desempeño productivo; elevar el nivel de profesionalización de los agricultores familiares mediante el acceso a nuevos estándares de tecnología y fomentar el acceso de estos agricultores a los mercados de insumos y productos.
Rural credit is the financing granted by banks and cooperatives to rural producers, who use the resources granted by financial institutions. The main purpose of this research work is to determine the participation, methodologies, interest rates and protection mechanisms, of the financing of the financial system (popular / private and public) in the productive sector of rural areas in Ecuador during the period 2016- 2020. The research has a mixed approach, both qualitative and quantitative, with which credit methodologies and financing protection mechanisms for the rural sector were investigated. A proposal was made for the creation of a new insurance for productive loans in the rural sector with the purpose of improving the quality of life of the inhabitants of rural areas of Ecuador, with which they will be provided with the necessary infrastructure. to improve productive performance; raise the level of professionalization of family farmers through access to new technology standards and promote access of these farmers to input and product markets.
Rural credit is the financing granted by banks and cooperatives to rural producers, who use the resources granted by financial institutions. The main purpose of this research work is to determine the participation, methodologies, interest rates and protection mechanisms, of the financing of the financial system (popular / private and public) in the productive sector of rural areas in Ecuador during the period 2016- 2020. The research has a mixed approach, both qualitative and quantitative, with which credit methodologies and financing protection mechanisms for the rural sector were investigated. A proposal was made for the creation of a new insurance for productive loans in the rural sector with the purpose of improving the quality of life of the inhabitants of rural areas of Ecuador, with which they will be provided with the necessary infrastructure. to improve productive performance; raise the level of professionalization of family farmers through access to new technology standards and promote access of these farmers to input and product markets.
Descripción
PDF
Palabras clave
CRÉDITO RURAL, ECONOMÍA POPULAR Y SOLIDARIA, DESARROLLO ECONÓMICO, DESARROLLO RURAL
Citación
APA