Fuentes de crédito y características de los usuarios de crédito en Ecuador. Un análisis con énfasis en el sector rural

Cristian  Vasco; Angélica María Tasambay Salazar; Byron  Herrera; Grace  Tamayo

doi:10.59410/RACYT-v02n01ep01-0021

Authors

Cristian Vasco Universidad Estatal Amazónica https://orcid.org/0000-0001-7414-4910
Angélica Tasambay Universidad Estatal Amazónica https://orcid.org/0000-0002-0121-644X
Byron Herrera Universidad Estatal Amazónica
Grace Tamayo Universidad Técnica Particular de Loja

DOI:

https://doi.org/10.59410/RACYT-v02n01ep01-0021

Keywords:

Credit sources, formal credit, informal credit, rural, credit users

Abstract

This paper analyzes the demographic characteristics of Ecuadorian credit receivers. By means of a multinomial logit model the factors that drive credit receivers to choose one source of credit over the others. The results suggest that governmental credit programs have been successful in providing with credit to population segments (women, ethnic minorities, small-scale farmers) normally excluded by other sources of credit (private banks and cooperatives). Nevertheless, the poorest segment of the population still has in the informal credit (chulqueros) its only accessible source of credit.

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References

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