Análisis comparativo del otorgamiento de créditos de la Corporación Financiera Nacional en el sector de alimentos frescos y procesados en Guayaquil (2012-2016).

Abstract

The change of the productive matrix and the development of the basic industries have become one of the greatest challenges of the national government that seeks to get out of the primary - exporter model and give added value to all domestic production. Within this process of change, the purpose of the government is to become the main source of financing of transforming projects that allow taking advantage of the country's wealth both in soil and in extension. Through the prioritization of strategic sectors and industries, the regime has been granting through the National Financial Corporation, productive loans that achieve the development of agribusiness in the country in a progressive manner. This is why the research emerged, a comparative analysis in the granting of productive credits within the fresh and processed foods sector in the city of Guayaquil during the period 2012-2016 whose objective was to demonstrate the incidence of the main characteristics of the projects submitted to the institution to access this type of loan. The methodology used was that Oaxaca - Blinder to establish which factors had a greater influence on the amount placed annually. In the analysis of the data, it was found that the person type factor generated a moderate variability over the amount demonstrating that certain features of the project influence the value delivered. It is recommended that the institution provides more information so that in future studies the most important factor for issuing this type of credit is identified.