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

Edison Roberto Valencia Núñez (), Alexandra Tatiana Valle Álvarez (), Mary Elizabeth Cruz Lascano () and Alexander Fernando Haro Sarango ()
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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

Lecturas de Economía, 2022, issue 97, 325-368

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.

Keywords: human development credit; insolvency; poverty; sustainability; operational profitability. (search for similar items in EconPapers)
JEL-codes: I31 I32 Q01 (search for similar items in EconPapers)
Date: 2022
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DOI: 10.17533/udea.le.n97a346723

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