Artículo

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

Resumen

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. © 2022 Universidad de Antioquia. All rights reserved.
Núñez, Edison Roberto Valencia (57902432500); Álvarez, Alexandra Tatiana Valle (57902641200); Lascano, Mary Elizabeth Cruz (57903068400); Sarango, Alexander Fernando Haro (57902858700)
2022
10.17533/udea.le.n97a346723
https://www.scopus.com/inward/record.uri?eid=2-s2.0-85138635384&doi=10.17533%2fudea.le.n97a346723&partnerID=40&md5=ae89df27e3a7df16c2d43b88854deba3
Universidad Técnica de Ambato, Ambato, Ecuador
All Open Access; Gold Open Access
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