Brechas en el acceso al crédito agrícola por parte de los hogares rurales del cantón Yantzaza en el año 2020.

Abstract

Abstract:Agricultural credit finances the temporary liquidity constraints of rural families, in the absence of their own savings, which are difficult to generate in this sector. In Ecuador, however, the level of access to credit generates dissatisfaction and is perceived as insufficient. To better understand this access gap, this research was developed in the rural sector of the Yantzaza canton, under the hypothesis that there was a gap in access to agricultural credit in that canton during the year 2020. The initial comparison of credit supply and demand led to the conclusion that in 2020 there was a surplus of 313 credits. However, by applying a demand survey, it was identified that 58.3% of the families refrained from applying for credit, anticipating an unfavorable result for their management. This percentage constitutes an unsatisfied demand of 92% in relation to supply. Therefore, the hypothesis of a gap in access to credit was confirmed, and policies focused on the self-excluded population and a survey- based diagnosis are recommended.