Abstract

SANTAFE-POZO, Enriqueta Lorena; VASQUEZ-HERNANDEZ, Lucía del Rocío  and  PABON-GARCES, Galo Jacinto. Microcredits as an engine for agricultural development: The before and after in the sustainability of family units. Siembra [online]. 2023, vol.10, n.2, e4465. ISSN 2477-8850.  https://doi.org/10.29166/siembra.v10i2.4465.

This research analyzes two time periods to determine the impact of agricultural microcredits and their contribution to the sustainability of productive family units. The first evaluation was conducted in the period 2016-2017, and the second in the period 2021, in order to know the before and after of the socio-economic realities of the families. This work evaluated the impact of agricultural microcredits on the sustainability of productive family units in the Apuela parish, through the characterization of the families that accessed microcredits, the analyses of the use of the funds, the relationship between microcredits and the design of guidelines for their granting. A field documentary and descriptive research was carried out, through the application of inductive and deductive methods, and surveys as an instrument for gathering primary information. Microsoft Excel statistical tools were used for tabulation. The results showed that agricultural microcredits had a positive impact on the economic, social, and environmental aspects of the productive family units, generating an improvement in sustainability and an increase in income. It was concluded that financial entities should motivate their clients with incentives, and that the state should create credit public policies to support microenterprises and entrepreneurship.

Keywords : subsistence agriculture; agricultural credit; agricultural development; rural economy; agricultural policy.

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