Abstract

BARRENO BENAVIDES, Luis; LOPEZ PAREDES, Héctor  and  CABRERA MAYA, Luis. Analysis of the impact of credit for productive initiatives delivered to the beneficiaries of the human development bond. Case study. Revista Economía y Política [online]. 2020, n.31, pp.3-24.  Epub Jan 31, 2020. ISSN 2477-9075.  https://doi.org/10.25097/rep.n31.2020.01.

The purpose of the article is to analyze the perceptions of people who have accessed productive credits being beneficiaries of the Human Development Bond (BDH), considering as a case study the rural area of ​​the Province of Pichincha - Ecuador, taking a representative sample for the analysis of the opinions of this population group in relation to the socio-economic impacts of credit in improving their income and living conditions, understanding in parallel, the complexity of administrative procedures, time of delivery of resources, technical advice and monitoring provided, as well as, the recommendations expressed by credit users.The investigation contributes with greater elements of judgment to the government and institutions related to the granting of credits for productive initiatives in Ecuador and countries of similar situation, allowing to define actions aimed at the continuity and improvement of the same depending on the qualification provided to the beneficiaries.

Keywords : Credit; human development; productive undertakings; social protection; social welfare.

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