Sources of credit and characteristics of credit users in Ecuador. An analysis with emphasis on the rural sector
This paper analyzes the demographic characteristics of Ecuadorian credit receivers. By means of a multinomial logit model the factors that drive credit receivers to choose one source of credit over the others. The results suggest that governmental credit programs have been successful in providing wi...
| Autores: | , , , |
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| Tipo de documento: | artigo |
| Estado: | Versão publicada |
| Data de publicação: | 2013 |
| País: | Ecuador |
| Recursos: | Universidad Estatal Amazónica |
| Repositório: | Revista Amazónica. Ciencia y Tecnología |
| Idioma: | espanhol |
| OAI Identifier: | oai:ojs_revista.www.uea.edu.ec:article/21 |
| Acesso em linha: | https://revistas.uea.edu.ec/index.php/racyt/article/view/21 |
| Access Level: | Acceso aberto |
| Palavra-chave: | Fuentes de crédito crédito formal crédito informal rural usuarios de crédito Credit sources formal credit informal credit credit users |
| Resumo: | This paper analyzes the demographic characteristics of Ecuadorian credit receivers. By means of a multinomial logit model the factors that drive credit receivers to choose one source of credit over the others. The results suggest that governmental credit programs have been successful in providing with credit to population segments (women, ethnic minorities, small-scale farmers) normally excluded by other sources of credit (private banks and cooperatives). Nevertheless, the poorest segment of the population still has in the informal credit (chulqueros) its only accessible source of credit. |
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