ANÁLISIS DE LA APLICACIÓN DE LA METODOLOGÍA GRAMEEN Y BANCOS COMUNALES EN LA OTORGACIÓN DE MICROCRÉDITOS POR LAS ENTIDADES FINANCIERAS Y NO FINANCIERAS EN LA CIUDAD DE LOJA, E IDENTIFICACIÓN DE LAS VENTAJAS Y DESVENTAJAS DE SU APLICACIÓN, PERIODO 2016, CASO CAC SAN SEBASTIÁN-LOJA
The research that is submitted on the reader's main objective: To analyze the process of implementing the Grameen methodology and community banks in the granting of microloans by financial and non-financial entities Loja and identifying the advantages and disadvantages of its implementation, as...
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| Tipo de recurso: | tesis de maestría |
| Estado: | Versión publicada |
| Fecha de publicación: | 2016 |
| País: | Ecuador |
| Institución: | Universidad Nacional de Loja |
| Repositorio: | Repositorio Universidad Nacional de Loja |
| OAI Identifier: | oai:dspace.unl.edu.ec:123456789/11603 |
| Acceso en línea: | http://dspace.unl.edu.ec/jspui/handle/123456789/11603 |
| Access Level: | acceso abierto |
| Palabra clave: | FINANZAS METODOLOGÍA GRAMEEN BANCOS COMUNALES MICROCRÉDITOS |
| Sumario: | The research that is submitted on the reader's main objective: To analyze the process of implementing the Grameen methodology and community banks in the granting of microloans by financial and non-financial entities Loja and identifying the advantages and disadvantages of its implementation, as it is intended to contribute to the community in general and the entity under study with a quantitative and qualitative basis on key elements of the theoretical and practical methodologies applied, major financial institutions and nonfinancial the town for channeling microcredit, and analyze the effect of the application of methodologies of microcredit in the low income population. To achieve the purpose they were designed and implemented some instruments consistent research process analysis methodologies microcredit and its effects, the same that allowed obtaining information related to the characteristics together and particularly of the entities that form study of the sector, such as by advisers surveyed microcredit major financial and non-financial institutions of the city, was information on the methodologies applied its main characteristics and the level of knowledge held for proper application; and by the members of the entity under study destination information concerning credit, credit effect on their businesses and quality of life, processes of teaching methodology, a variety of financial and non-financial benefits, such problems in channeling of credits and quality of services of the cooperative. 12 In a more specific way, the systematization of the data yielded the following results: The Grameen methodology is applied by the institutions: DECOF Foundation, Grameen Foundation, Cooperative Savings and Credit San Sebastián-Loja. The Communal Bank methodology is applied by Faces Foundation, Banks Pichincha, Codesarrollo, Loja, and Cooperative CoopMego, and Bank Farm. The financial institution under study, Cooperative Savings and Credit San Sebastian, through the Grameen model and despite the limited economic resources owned, turns his attention to marginal urban areas of the city of Loja, has a low level of compliance the methodology, the same is reflected in problems within the process of credit and loan recovery. Furthermore financial institutions and non-financial of the town, train their employees at least twice in the year, according to tests carried out the level of knowledge they have, resulting scored 7.22 points, which within the scale is considered acceptable. However, they are not aimed at improving social indicators of its customers and partners, ie the need for greater empowerment of institutions to them. Thus, according to presentation of results, the implementation of methodologies microcredit financial and non-financial institutions, not 100% met, for which they were created these methodologies, however as a case can reflect the results of the 13 members of the CAC SAN SEBASTIAN. Thus much of the respondents allocated microcredit to improve or create new productive economic units, enhance or implement their business, generating higher revenues that might benefit your family. From which it can extract the advantages and disadvantages of the application of the methodology in the members of the entity. Finally, based on the analysis, and becoming a quantitative and qualitative basis, the institution recommended in the study, define methodology for channeling microcredit and institutional philosophy, coupled Give you monitored for their impact and benefits to the population targets its products and services and develop social indicators to contribute to the social betterment of mankind. |
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