Factores determinantes del acceso al microcrédito en la zona 7 del Ecuador, desde la perspectiva de los clientes

Abstract

Abstract: The objective of the present study is to determine the determinants of microcredit placement in Region 7 of Ecuador (El Oro, Loja, and Zamora Chinchipe). Microcredit is addressed from clients' perceptions. present study in a significant sample of 663 clients of the three financial institutions that present a high level of microcredit placement Banco Solidario (345), Banco Pichincha (172), Banco de Loja (146), from the survey data an order logit regression model was performed, which was estimated based on the independent variables that allowed the perception of the clients' perception of the degree of incidence of the determinants for the granting of microcredit. The results are focused on microcredit is subject to factors such as: ability to pay, guarantees, record of payment or credit history and based on this arise the disc use and conclusions.