Evaluación del desarrollo de capacidades a los beneficiarios del CDHA en los barrios rurales de la ciudad de Loja

Abstract

The objective of this study is to evaluate whether the Association for Human Development Credit (CDHA) focuses on strengthening the financial education of the beneficiaries. The development of activities of productive and associative enterprise realized through the CDHA is part of the popular economy and solidarity. The methodology used was the visits to a sample of 88 beneficiaries of the loan in the province of Loja, sectors such as Vilcabamba, Malacatos and Loja. Through the use of observation sheets, information was obtained on variables such as personal characteristics of beneficiaries, type of projects undertaken, amount and time of credit, productive activity, monthly income, and the level of financial culture of users. Among the main results it is highlighted that 97.7% of the enterprises were carried out by women. Activities such as minor species (raising chickens, pigs, guinea pigs, etc.) and agricultural activity are those with the highest average income. Finally, 79% of CDHA users consider their degree of financial education to be medium after training.