Análisis del Microcrédito como opción económica para los miembros de la Cooperativa de Ahorro y Crédito Mushuc Runa Ltda., Sucursal Machachi. (Spanish)

Analysis of Microcredit as an economic option for members of the Mushuc Runa Ltda., Savings and Credit Cooperative, Machachi Branch. (English)

This research focused on evaluating the effectiveness of microcredit as an economic option for the members of the Mushuc Runa Ltda., Savings and Credit Cooperative, Agencia Machachi. Using a mixed approach and descriptive-correlational methodology, documentary and field analyzes were carried out, which included interviews with managers and surveys of partners with microcredits. The results offered a complete diagnosis of the impact of microcredits, identifying key factors such as the amount requested, economic situation, and training in finance and marketing. These elements significantly influence the possibility of acquiring future microcredits. Concluding, the relevance of detailed understanding of the conditions and terms of microcredits was highlighted so that partners make informed decisions aligned with their financial objectives and needs. [ABSTRACT FROM AUTHOR]

Esta investigación se centró en evaluar la efectividad del microcrédito como opción económica para los socios de la Cooperativa de Ahorro y Crédito Mushuc Runa Ltda., Agencia Machachi. Utilizando un enfoque mixto y metodología descriptivo-correlacional, se realizaron análisis documentales y de campo, que incluyeron entrevistas con directivos y encuestas a socios con microcréditos. Los resultados ofrecieron un diagnóstico completo del impacto de los microcréditos, identificando factores clave como el monto solicitado, situación económica y capacitación en finanzas y marketing. Estos elementos influyen significativamente en la posibilidad de adquirir futuros microcréditos. Concluyendo, se destacó la relevancia del entendimiento detallado de las condiciones y términos de los microcréditos para que los socios tomen decisiones informadas alineadas con sus objetivos financieros y necesidades. [ABSTRACT FROM AUTHOR]

Copyright of Dilemas Contemporáneos: Educación, Política y Valores is the property of Dilemas Contemporaneos: Educacion, Politica y Valores and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)