Análisis del rendimiento e inclusión financiera en zonas rurales del cantón de Cuenca.

Abstract

The general objective of this article is to determine the performance and financial inclusion of rural sectors in Cuenca, given the identification of problems regarding their assets, portfolio balances, savings collection, and the limited supply of financial products from Popular and Solidarity Economy (EPS) actors. An observational, retrospective, descriptive, and correlational methodology was used, taking sixty-two Savings and Credit Cooperatives (COACs) by its acronym in Spanish in the province of Azuay as the population for the statistical analysis of Principal Components (PCA). For the survey, the population between the ages of 16 to 64 was interviewed, which under a finite sample was established at 384 individuals. The results obtained highlight the high correlation between the study variables in determining the financial performance of cooperatives in the rural sector, also showing that the COACs generate inclusion processes with greater "depth of outreach" through a greater physical presence than conventional financial institutions. As a result, new lines of research are being developed to solve the current conflicts and decision-making regarding financial performance in the rural area of Cuenca.