Economía Popular y Solidaria: Las cajas de ahorro y crédito comunales del Cantón Cayambe

Abstract

This research addresses the Community Savings and Credit Banks (CAC's) of the Cayambe canton as part of the Popular and Solidarity Economy (EPS), highlighting a financial decrease due to the lack of deposits and therefore the reduction of credits towards small and medium-sized community enterprises. The methodology used is a longitudinal study of descriptive type with a mixed approach, the qualitative part that is supported by the application of an interview and the quantitative part that is obtained through a survey of the partners, the review of economic reports is used. , statistics and use of data tabulation. Among the results obtained is the discomfort of the entrepreneurs by not having the absolute help of public entities to enrich their crops in the absence of credits, regarding the distribution of the boxes, it was determined that 92% is urban and 8% area rural, the partners are a total of 352 who belong to the 12 savings banks of the Cayambe canton, the most significant credits granted are those of the Caja Manos Unidas for $205,448.91. Among the contributions are agricultural and livestock campaigns, granting of direct credits from the government for the strengthening and productive recovery after the pandemic, projecting to be a positive step to achieve good local development.