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Viabilidad en la concesión de créditos agrícolas de la Cooperativa de Ahorro y Crédito El Sagrario Ltda.
| dc.contributor.advisor | Onofre, Ronny | |
| dc.contributor.author | Marín Santos, Jerson Freddy | |
| dc.date.accessioned | 2021-01-26T17:31:29Z | |
| dc.date.available | 2021-01-26T17:31:29Z | |
| dc.date.issued | 2021 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/9129 | |
| dc.description | The Savings and Credit Cooperatives have been of vital importance in the country since they have represented the main source of financing in agriculture. During their journey in the peasant sectors, these Cooperatives have achieved a variety of strengths that allow them to increase their members, financial capacity and continue to perform its financial services; they have also learned lessons and been able to identify their weaknesses I, Jerson Marín Santos, As a commercial officer of the Crédit Cooperative El Sagrario for more than 6 years and with 9 years of experience in other financial institutions with agricultural products, I can assure you that it is very possible to grant an Agricultural loan in the cooperative analyzing each case and implementing a product structure with a purely agricultural basis in terms of geographical locations, experience of the farmer in the product, technical and legal situation of their land and most importantly, agricultural insurance in case of losses of the culture. It is important to know the farmer who will receive the financing, since there are many opportunistic clients who only seek personal benefit and not business, as well as “it is important to have a system of sectorized groups through associations that are already known between them and can guarantee the effectiveness of the harvest ”. Peasant organizations, as their name indicates, are an "organized" group of peasants who come together in a legal and disciplined way to obtain benefits from the government or financial institutions, guaranteeing honesty and responsibility among their members for public or private services. In summary of this case study, it is concluded that if the implementation of the agricultural product is viable in the Cooperativa de Ahorro y Crédito El Sagrario Ltda. Due to its geographical location (Babahoyo, Capital of the Province of Los Ríos, purely agricultural province) where around it has many peasant sectors legally associated in the rural parishes of Babahoyo. Which have a number of Enclosures that produce a variety of agricultural products such as: Rice, Corn, Soy, etc. And with all the information analyzed in this study, it can be demonstrated to the directors of the Cooperative “Why they Yes and the Sagrario No”, “Why these 4 cooperatives have been operating in such a way that they have managed to remain in the Babahoyo market and they are still running and the failure rate is very low " | es_ES |
| dc.description | The Savings and Credit Cooperatives have been of vital importance in the country since they have represented the main source of financing in agriculture. During their journey in the peasant sectors, these Cooperatives have achieved a variety of strengths that allow them to increase their members, financial capacity and continue to perform its financial services; they have also learned lessons and been able to identify their weaknesses I, Jerson Marín Santos, As a commercial officer of the Crédit Cooperative El Sagrario for more than 6 years and with 9 years of experience in other financial institutions with agricultural products, I can assure you that it is very possible to grant an Agricultural loan in the cooperative analyzing each case and implementing a product structure with a purely agricultural basis in terms of geographical locations, experience of the farmer in the product, technical and legal situation of their land and most importantly, agricultural insurance in case of losses of the culture. It is important to know the farmer who will receive the financing, since there are many opportunistic clients who only seek personal benefit and not business, as well as “it is important to have a system of sectorized groups through associations that are already known between them and can guarantee the effectiveness of the harvest ”. Peasant organizations, as their name indicates, are an "organized" group of peasants who come together in a legal and disciplined way to obtain benefits from the government or financial institutions, guaranteeing honesty and responsibility among their members for public or private services. In summary of this case study, it is concluded that if the implementation of the agricultural product is viable in the Cooperativa de Ahorro y Crédito El Sagrario Ltda. Due to its geographical location (Babahoyo, Capital of the Province of Los Ríos, purely agricultural province) where around it has many peasant sectors legally associated in the rural parishes of Babahoyo. Which have a number of Enclosures that produce a variety of agricultural products such as: Rice, Corn, Soy, etc. And with all the information analyzed in this study, it can be demonstrated to the directors of the Cooperative “Why they Yes and the Sagrario No”, “Why these 4 cooperatives have been operating in such a way that they have managed to remain in the Babahoyo market and they are still running and the failure rate is very low " | es_ES |
| dc.description.abstract | Las Cooperativas de Ahorro y Crédito han sido de vital importancia en el país ya que han representado la principal fuente de financiamiento en la agricultura, Durante su recorrido en los sectores campesinos, estas Cooperativas han conseguido una variedad de fortalezas que les permiten aumentar sus socios, capacidad financiera y continuar realizando sus servicios financieros; también han aprendido lecciones y han podido identificar sus debilidades Yo, Jerson Marín Santos, Como Oficial comercial de la Cooperativa de Ahorro y Crédito El Sagrario desde hace más de 6 años y con 9 años de experiencia en otras instituciones financieras con el producto agrícola puedo asegurar que es muy posible otorgar un préstamo Agrícola en la cooperativa analizando cada caso e implementando una estructura del producto con bases netamente agrícolas en lo que se refiere a ubicaciones geográficas, experiencia del agricultor en el producto, situación técnica y legal de sus terrenos y lo más importante, el seguro agrícola en caso de pérdidas del cultivo. Es importante conocer al agricultor el cual recibirá el financiamiento, ya que, hay muchos clientes oportunistas que sólo buscan un beneficio personal y no del negocio, así como también “es importante contar con un sistema de grupos sectorizados por medio de asociaciones que ya se conocen entre ellos y puedan garantizar la efectividad de la cosecha”. las organizaciones campesinas como su nombre lo indica son un grupo “organizado” de campesinos que se agrupan de manera legal y disciplinada para conseguir beneficios de parte del gobierno o de instituciones financieras, garantizando honestidad, responsabilidad entre sus miembros para los servicios públicos o privados. En resumen, el presente estudio de caso se concluye en que Si es viable la implementación del producto agrícola en la Cooperativa de Ahorro y Crédito El Sagrario Ltda. Por su ubicación geográfica (Babahoyo, Capital de la Provincia de Los Ríos, provincia netamente agrícola) donde a su alrededor cuenta con muchos sectores campesinos legalmente asociados en las Parroquias rurales de Babahoyo. Las cuales cuentan con cantidad de Recintos que producen variedad de productos agrícolas como son: Arroz, Maíz, Soya, etc. Y con toda la información analizada en el presente estudio se puede demostrar a los directivos de la Cooperativa “Por qué ellas Sí y el Sagrario No”, “Por qué éstas 4 cooperativas vienen funcionando de tal manera que han logrado permanecer en el mercado de Babahoyo y aún se mantienen funcionando y el índice de fracaso es muy bajo” | es_ES |
| dc.format.extent | 18 p. | es_ES |
| dc.language.iso | es | es_ES |
| dc.publisher | BABAHOYO: UTB, 2021 | es_ES |
| dc.rights | Atribución-NoComercial-SinDerivadas 3.0 Ecuador | * |
| dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/3.0/ec/ | * |
| dc.subject | Liquidez | es_ES |
| dc.subject | Implementación | es_ES |
| dc.subject | Sectorización | es_ES |
| dc.subject | Mercado | es_ES |
| dc.title | Viabilidad en la concesión de créditos agrícolas de la Cooperativa de Ahorro y Crédito El Sagrario Ltda. | es_ES |
| dc.type | bachelorThesis | es_ES |
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