Análisis y evaluación del crédito agrícola otorgado por BANECUADOR en la zona 3. Período 2016-2017

Abstract

This research work analysis and evaluation of agricultural credit granted by Ban Ecuador in the zone 3. Period 2016-2017 has as a purpose to know the contribution and effectiveness of the credit service provided by BanEcuador. The methodology used is based on conducting surveys applied to customers who were beneficiaries of agricultural credits in the zone 3, which constitute the provinces of Chimborazo, Tungurahua, Pastaza and Cotopaxi, to establish the characteristics of each sector. In addition, a comparative analysis of the agricultural credits granted in 2016 and 2017 was performed in each of the agencies to determine the level of default. It was determined that the credit operations have a follow-up by the business officers, however there are customers dissatisfied with the service, since they comment that a direct link must exist with the MAG technicians for better management of agricultural diseases and climatic factors depending on the sector, that can be a cause of loss of production and thus failure in the credit dues. The proposal is based on strengthening the strategies through financial education and the constant monitoring by credit officers of the performance of productive activities of their partners. It is recommended to strengthen the agro industrial credit lines so that in this way the farmers can obtain an added value in each of their agricultural products and being more commercial.