Evaluación económica a los beneficiarios de la concesión de créditos agrícolas de la Cooperativa Sol de los Andes, año 2017.

Abstract

The objective was to evaluate the members who accessed agricultural credits at the Sol de los Andes Savings and Credit Cooperative in 2017, in order to know the economic impact caused. The economic evaluation to the beneficiaries of the granting of agricultural credits of the Sol de los Andes Savings and Credit Cooperative in the year 2017, was carried out to 76 beneficiaries out of a population of 1350 beneficiaries who accessed agricultural credits, who through a survey provided information that was processed using the Chi-square statistic in Microsoft Excel and IBM SPSS Software version 21. It was determined that the highest percentage of beneficiaries who accessed the credits are female, the level of education is mostly primary, the credits granted through personal guarantee correspond to 46% and the amounts were between USD 500 and USD 5000. All of the beneficiaries carry out agricultural activities and consider that this activity provides higher income. The most cultivated products are corn (42%) followed by potatoes (30%). It is concluded that the agricultural credits granted by the Sol de los Andes Cooperative improved the income of the beneficiaries by 12%, after obtaining their credits, contributing to the generation of employment and hiring of personnel. Finally, a proposal was made in response to the beneficiaries' suggestions, seeking to improve the agility of the loan delivery process and reduce the amount of documentation required.