“Determinantes del acceso a servicios financieros de la población rural del cantón Guano, provincia de Chimborazo para el año 2018”.

This research has a diagnosis of the demand for financial services of the rural population of the Guano Canton, as well as to investigate the factors that determine the demand for financial services through a logit econometric model. The data was collected through a survey form that was taken from a sample of 158 people between 18 and 64, which allowed to determine the socioeconomic aspects and access to financial services of the inhabitants of the rural sector of the Guano canton, province of Chimborazo. The results obtained show that the vast majority of people surveyed have some financial products, especially saving accounts, being the Savings and Credit Cooperative, the institution where they prefer to have them. It was also found that one-third of people use the debit card frequently, although the use of online banking is still incipient. Regarding the results of the logit model, it allowed determining that the determining factors of access to financial services in the Guano canton are mainly: marital status, academic level, fixed employment, a beneficiary of public services. The structure of the work is as follows: In Section I, the introduction and approach of the problem are presented; in section II, the research objectives are developed. In section III, the state of the art of research is elaborated based on the theoretical foundation of the so-called financial inclusion, that is, the determinants of access to the leading financial services of study and finished with the legal environment that governs cooperativism in Ecuador. In section, IV is the research methodology, as well as the analysis and discussion of the results. Finally, in section V the conclusions and recommendations of the research work can be observed

• Κύριος συγγραφέας: Lupe Beatriz, Carrillo Congacha (author)
• Μορφή: bachelorThesis
• Γλώσσα: spa
• Έκδοση: 2020
• Θέματα: Inclusión financiera; empleo fijo; estado civil; factores determinantes
• Διαθέσιμο Online: http://dspace.unach.edu.ec/handle/51000/6326