El microcrédito popular- solidario en la provincia de Santa Elena, estudio descriptivo del segmento cooperativo 1

IF 0.3 Q4 BUSINESS Suma de Negocios Pub Date : 2022-09-29 DOI:10.14349/sumneg/2022.v13.n29.a5

Marcelo Abad Varas, Jacinto Mendoza Rodríguez, Lupe García Espinoza

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Abstract

Introduction/objective: The popular and supportive microcredit is a dynamic element of economic development, its validity and growth are vital for developing territories, such as the one considered in this work, province of Santa Elena in the Republic of Ecuador. It empowers the generation of sources of employment, availability of sustenance to cover the needs of segments of the population with insufficient income. Methodology: the research is quantitative with a descriptive scope with a non-experimental design. It is based on secondary data corresponding to placements of popular and solidarity microcredit of segment 1. Results: the growth of popular and solidarity microcredit placements in the province of Santa Elena has been discreet, even during periods of unfavorable externalities such as the period of the COVID-19 pandemic, in which its positive interannual variation was maintained. Conclusions: popular and solidarity microcredit has placed resources in productive agents so that, based on principles of social, environmental, and solidarity responsibility, a distribution of resources is generated in disadvantaged agents, generating evidence of a model that generates economic development.

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圣赫勒拿省的人民团结小额信贷，合作部分1的描述性研究

前言/目标:普及和支助性小额信贷是经济发展的一个有力因素，其有效性和增长对发展中领土至关重要，例如本工作所审议的厄瓜多尔共和国圣埃琳娜省。它使人们能够创造就业机会，提供生计，以满足收入不足的部分人口的需要。方法:研究是定量的，描述性的范围，非实验设计。它基于次级数据，对应于第1部分的普及和团结小额信贷的安置。结果:圣埃琳娜省普及小额信贷和团结小额信贷的增长一直很谨慎，即使在2019冠状病毒病大流行等不利外部性时期，其年际正变化也保持不变。结论:大众和团结小额信贷将资源分配给了生产主体，从而在社会、环境和团结责任原则的基础上，在弱势主体中产生了资源分配，从而产生了促进经济发展的模式的证据。

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