Caso de estudio: accesibilidad de los microcréditos en el sector financiero popular y solidario, cantón El Guabo, 2021.

Abstract

The Popular and Solidarity Financial Sector has been configured as one of the sectors that has provided the most financing to the vulnerable population and to the various productive activities in various provinces of the country through its credit instruments. The investigation lies precisely in determining the factors that affect the granting of microcredits of the entities of the Popular and Solidarity Financial Sector, through the use of binary and scale variables, in the businesses of the Popular and Solidarity Economy of the canton El Guabo, 2021, seeking the promotion of alternatives that produce an increase in financial resources available to merchants, taking this canton due to the scarcity of information that exists on this subject. For the realization of the study, a descriptive, non-experimental and correlational methodological line was followed, using the maximum likelihood method that revealed the importance of promoting financial education among merchants, through training on topics such as managing financial resources and preparation of a long-term sustainable budget, which will increase the chances of accessing a microcredit in entities in this sector by 9%.