bachelorThesis
El sistema cooperativo de ahorro y crédito y su relación con el desempeño económico en el Ecuador. Un análisis a nivel sectorial y empresarial
Fecha
2015Autor
Merchán Huanga, José Luis
Ontaneda Jiménez, Diego Danny
Institución
Resumen
This study aims to measure the relationship between the credit activity developed by savings and credit cooperatives and economic performance in Ecuador, from two perspectives: tosectoral and entrepreneurial level.
The sectoral analysis is carried outusing annual data of 11 productive sectors for the period 2007-2014, through a panel data model. On the other hand, enterprise-level analysisis carried out through the impact evaluation methodology based on Propensity Score Matching, using information provided by the Survey of Living Conditions - Fifth Round for the period 2005-2006.
The main results show a positive but not significant relationship between the expansion of credit activity of the savings and credit cooperativesand the economic performance at the sectoral level; while the entrepreneurial level analysis reveals a significant andpositive impact of credit granted by the savings and credit cooperativeson sales revenue of the beneficiary enterprises.