Análisis de la colocación de microcréditos de la COAC. Oscus Ltda., y su incidencia en el emprendimiento local, agencia Baños, período 2019

Abstract

The present degree work analysis of the placement of microcredits of COAC. Oscus Ltda., and its impact on local entrepreneurship, aimed to evaluate the level of microcredits placed in the period 2019 and the influence that this had on the enterprises created and sustained in the canton. The research methodology used was under the qualitative and quantitative approach, the level of research was descriptive due to the information that had to be evaluated, due to the information collected and because they had to be tabulated the research method had to be analyzed in a synthetic and analytical way. In order to obtain more information, the collection techniques and instruments were carried out in the application of surveys to all the members of the cooperative and an interview with the Agency Coordinator, with this information we proceeded to elaborate the data tables that allowed us to know the current situation of the microcredits granted by the institution as well as the period of recovery of the portfolio. By evaluating the results obtained in the 2019 period, it was possible to demonstrate that the cooperative is the first alternative for citizens to apply for a microcredit mainly because of the interest rates it offers and above all because of the ease with which the credits are provided to create an enterprise or to invest in business capital. It is recommended that the cooperative evaluates each parameter described in the manual of functions at the time of approving a credit in order not to put at risk the microcredit portfolio and also this will serve to evaluate each of the entrepreneurial projects that apply for a loan in order to promote entrepreneurship in the sector.