Economía

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Author: search.filters.author.Paca Del Pozo, Luis MiguelSubject: search.filters.subject.DESARROLLO

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    Impacto del microcrédito en el desarrollo socio económico de la ciudad de Ambato en el año 2022
    (2024-11) Paca Del Pozo, Luis Miguel; DT - Tobar Esparza, Ramiro Fabián
    The primary objective of this study is to determine the impact of microcredit on the socioeconomic development of Ambato city in 2022. Specifically, three secondary objectives are proposed: to assess the socioeconomic vulnerability of business owners in the city, to identify their access to microcredit, and to correlate this variable with socioeconomic vulnerability in the canton's microenterprise activity. The socioeconomic vulnerability index proposed by Khan et al. (2022) was estimated using a questionnaire comprising nine inquiries across four dimensions: adaptive capacity and sensitivity, each consisting of two components - demographic, social, economic, and physical. Subsequently, the weighted values of the index for each component and dimension were calculated, followed by the computation of the general socioeconomic vulnerability index. Additionally, the results pertaining to microcredit access or acquisition were analyzed, necessitating the construction of a frequency distribution table and a pie chart. Finally, a multiple linear regression model was specified to explain socioeconomic vulnerability (socioeconomic development) as a function of microcredit access and a specific set of control variables, including area of residence, gender, and sector of activity. The study concluded that the socioeconomic vulnerability of business owners in Ambato city is generally moderate, from which it can be inferred that the city's socioeconomic development in the context of microcredit is equally moderate. Furthermore, a significant impact of microcredit on reducing socioeconomic vulnerability among households of producers and traders in Ambato was identified. The documented positive effect underscores the importance of microfinancing as a catalyst for social and economic development in the city.