La pandemia y sus efectos sobre el comportamiento financiero del Programa Mujer Solidaria perteneciente a la Fundación Acción Social Cáritas FASCA, en los segmentos de Microcrédito, período 2020 al 2022

Abstract

Abstract: This work analyzes the effects of the COVID-19 pandemic on the Women program Solidarity of the Cáritas FASCA Social Action Foundation, in the microcredit of the 2020 period to 2022. The research is exploratory and descriptive with a qualitative approach: it was applied a survey of a sample of 345 members. The destination of microcredit is segmented by geographical areas, gender and age groups. The most affected product is banking communal because it has the largest number of clients; As for the areas, the results obtained reveal that the credits granted to rural areas are the ones that suffered the most since Due to the pandemic and lack of mobility, they could not get their products out, causing the delay of installments. In the period 2020-2022, placements decreased, while the percentage of delinquencies grew, causing an imbalance in the institution that put into effect risk the provision of financial services and the foundation's desires to help less favored sectors.