Diseño de nuevas estrategias eficientes para el acceso de créditos a Pequeños y Medianos Productores agrícolas en el Ecuador.

Abstract

The agricultural sector is one of the fundamental pillars of the Ecuadorian economy, despite its importance it has not been consolidated due to the lack of financial resources in the country. Due to the high investment required, it was not possible to be competitive in the markets, which prevents developing efficient business models in the sector. It is for this reason that this work will be responsible for analyzing what are the policies and procedures used by financial institutions to grant loans to small and medium producers in the country, since these are the main sources of financing for the sector. The SWOT analysis and PESTEL model will be used to determine the main variables that influence the development of agriculture. Due to the high risk generated by this sector, producers are unable to access credit, which makes it difficult to start their productive activities since they do not have the immediate liquidity to meet their costs and expenses. The analysis highlights the importance of the participation with credit lines of the financial institutions, when proposing strategies that promote agriculture, for this it adjusts and organizes the needs of the producers with the credit requirements. In addition, it induces the participation of the State in support of its economic policies that encourage the development of said.