“Análisis de los créditos otorgados por la cooperativa de ahorro y crédito Oscus Ltda. en el cantón Riobamba y su incidencia en el impacto económico del sector productivo en el periodo 2018-2020.”

Abstract

The present research work was developed with the main objective of analyzing the credits granted by La Cooperativa de Ahorro y Crédito OSCUS Ltda. in the canton of Riobamba and its incidence in the economic impact of the productive sector in the period 2018-2020", in order to know the importance of credit in the growth of the productive sector. All this through a quantitative and qualitative methodology, therefore, a survey was developed to the partners and an analysis of the credits, where it was determined that these are used mostly for agriculture, livestock, forestry, fishing and manufacturing. Subsequently, a detail of the productive sectors that make up the economy of the canton of Riobamba is shown, measuring their evolution through the Gross Added Value (GVA) and the analysis of their behavior that concurred between variables (economic impact and credit), for which the simple linear regression model was used. Through the analysis of the credits granted by the cooperative, it was possible to verify how injecting economic resources through credit can promote the growth of the productive sectors of the canton with a low positive moderate impact, and where its impact has been felt in the tax area through the behavior of tax collection, and in the area of employment through the INEC indicators. It is recommended to consider the importance of credit and the brand that these created in the productive sectors, influencing the progress of the quality of life of its beneficiaries, therefore, another variable should be included in the sectoral employment that contributes to the change of the productive matrix and allows an adequate management of resources, to evaluate the fulfillment of the mission and objectives in the short, medium and long term of the entity.