El microcrédito de la banca especializada como factor dinamizador de la economía en la provincia de Tungurahua.

Abstract:

The study of microcbkp_redit has become more popular because it is focused to the population living in poverty, with the purpose of allowing them to generate autonomous income through formal financing, facilitating access to cbkp_redit for productive purposes that directly impacts the local economy to evaluate its contribution to the economic development of Tungurahua. Due to the wide local cbkp_redit market, it is possible to treat financial inclusion of certain vulnerable sectors, where the banking has taken a certain role by having the necessary tools to handle small financing whose operating cost has been mitigated with sophisticated financial rating methodologies, economies of scale applications and costs reduction. Facing this scenario, it is important to mention that at sectorial levels there is a limited market with commercial aggression, where not all of its actors analyze levels of sustainable indebtedness, for which control organisms such as the Central Bank and the Superintendence of Banks monitor said actors to provide and keep financial security. However, when analyzing the placement of loans, it is interesting to go beyond the destination of it, that is, at the time the loan is granted, there is usually a destination for this that is attached in the information reported to the control organism and consequently a cbkp_redit obligation, that allows to develop a viable business, increase income and reduce vulnerability.

Año de publicación:

2019

Keywords:

• ESTABILIDAD ECONÓMICA
• CRECIMIENTO ECONÓMICO
• BENEFICIARIOS DEL MICROCRÉDITO
• Economia Local

Fuente:

rraae