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Evaluation of the Financial Sustainability of the Associative Human Development Credit in the Province of Tungurahua, Ecuador

Author

Listed:
  • Edison Roberto Valencia Núñez

    (Universidad Técnica de Ambato)

  • Alexandra Tatiana Valle Álvarez

    (Universidad Técnica de Ambato)

  • Mary Elizabeth Cruz Lascano

    (Universidad Técnica de Ambato)

  • Alexander Fernando Haro Sarango

    (Universidad Técnica de Ambato)

Abstract

The aim of this article is to analyze the beneficiaries of the Human Development Credit in the framework of financial sustainability, this framing will be done through the approach of an evaluation proposal that will consist of a general estimation of the social, environmental and welfare environment, attached to a financial evaluation, this argument will be adjusted to metrics focused on indebtedness, profitability and management, The weighting will be done by means of the fixed and random effects statistic adjusted to Hausman’s test, likewise, the contrast of the general information will be argued with a multinomial logistic model and Multiple Correspondence Analysis (MCA), which will allow concluding the influence of the generalities in the induction of sustainability; the results visualized in a before and during COVID-19 showed that the pandemic harmed about 30 beneficiaries, which represent 29.70 % of the sustainable sample, in addition to this, the MCA determines that the Variable Bonus, secondary education, age range (30 to 45 years) are surrounding and contribute to sustainability.

Suggested Citation

  • Edison Roberto Valencia Núñez & Alexandra Tatiana Valle Álvarez & Mary Elizabeth Cruz Lascano & Alexander Fernando Haro Sarango, 2022. "Evaluation of the Financial Sustainability of the Associative Human Development Credit in the Province of Tungurahua, Ecuador," Lecturas de Economía, Universidad de Antioquia, Departamento de Economía, issue 97, pages 325-368, July-Dece.
    • Handle: RePEc:lde:journl:y:2022:i:97:p:325-368
    DOI: 10.17533/udea.le.n97a346723
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    References listed on IDEAS

    as
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    More about this item

    Keywords

    human development credit; insolvency; poverty; sustainability; operational profitability.;
    All these keywords.

    JEL classification:

    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being
    • I32 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Measurement and Analysis of Poverty
    • Q01 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - General - - - Sustainable Development

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