Impacto del microcrédito en los microemprendimientos del sector rural del cantón Gualaceo provincia del Azuay, otorgado por la Cooperativa de Ahorro y Crédito Jardín Azuayo Ltda., en el periodo 2014 -2019

Abstract

Abstract: The objective of this work is to evaluate the impact caused by microcredit on enterprises in the rural sector in the Gualaceo canton, granted by the Jardin AzuayoSavings andCredit Cooperative in the period 2014 -2019.The information was provided by the financial institution using the microcredits granted to the 8 parishes of the canton as a census, in addition to using information provided by the Superintendency of Popularand Solidarity Economy. The panel data regression econometric model is used through Ordinary Least Squares (OLS) and Logit, it should be noted that the results obtained were positive and significant in most variables such as income, expenses, interest rate, term, sex,and level of education,in relation to the variables corresponding to the amount granted and the destination of credit, allowing to determine that this financial service is part of economic development and seeks to combat poverty levels.