Inclusión financiera local a través de la creación de una Caja de Ahorros en la comuna Marcos Pérez de Castilla como parte del desarrollo solidario en el cantón Oña

Abstract

Abstract: This study analyzes financial inclusion in the Marcos Pérez de Castilla community in the Oña canton, Azuay province, focusing on barriers to accessing traditional financial products and the need to strengthen community-based savings and credit processes. The main objective was to propose the creation of a savings fund for the community as an alternative for financial inclusion and local solidarity-based growth. The research was conducted using a mixed-methods approach with an exploratory-descriptive scope, employing both quantitative and qualitative methods to understand the economic reality and analyze the feasibility of implementing a savings fund in the community. Data collection involved surveys on the popular and solidarity-based financial system and the community's perspective on implementing the fund. The results reflect a high level of financial exclusion, with over 70% of respondents indicating the importance of having a credit history and the inability to access products and services that meet their needs.