Análisis del crédito blando y sus beneficios en la producción agrícola del cantón Palenque provincia de Los Rios. Período 2013-2017

Abstract

During the last six years, and especially the present five years; Ecuador´s economy has been reflected in its Public Expenditure and therefore in “Public Investment”, a gradual reduction, due in large part to the contraction of Income and the significant role in the fall in the price of Oil in 2015. Under the hypothesis, that a reduction in Public Investment, like the one we have witnessed in recent years, will have a negative impact on job creation; Throughout this Research work, variation indices in Public Investment are analyzed, as well as of adequate Employment, Under-employment and Unemployment; Indicators and graphs are compared. It also correlates the degree of impact that Public Investment has in the generation of employment in Ecuador. Arriving to find a direct relationship in the impact that the generation of employment receives, regarding the variation of Public Investment by 78%

Financing through soft loans gives microentrepreneurs the possibility of acquiring capital goods such as machinery, equipment or vehicles; It also allows to innovate in the productive processes through the incorporation of new technologies or the training of the personnel that carries out said economic activity, making the production and commercialization process more efficient and productive. It is for this reason that the agricultural sector demands this type of financing to be able to expand its frontier of production possibilities and thus achieve sustainable development. Small and medium-sized farmers in the Palenque canton need to resort to financing through loans, requesting them either in public banks or to a lesser extent in private banks in order to produce corn, rice or other agricultural goods and thus obtain income enough to support your home. Under this premise, the following was formulated as a topic to investigate: the analysis of soft credit and its benefits in the agricultural production of the Palenque province of Los Ríos. Period 2013 - 2017; whereby the research question that synthesizes the problem posed and that will be answered with the development of this research is the following: To what extent is the agricultural production of the Palenque canton affected by the decrease or lack of soft credits?