Estudio de pre factibilidad para la generación de la línea de créditos verdes de producción limpia y sostenible del Banco Solidario
Loading...
Date
2023
Journal Title
Journal ISSN
Volume Title
Publisher
PUCE - Ibarra
Abstract
En la actualidad, se pueden evidenciar los problemas ambientales producidos por procesos industriales y actividades agropecuarias, mismos que han ido incrementándose a nivel mundial con la invasión y explotación de los recursos naturales para satisfacer las necesidades y abastecimiento de una población que sigue en constante crecimiento. Debido a esto es importante llevar a cabo el desarrollo de una propuesta de créditos verdes con la finalidad de conocer su factibilidad teórica y su impacto en generar una conciencia del cuidado ambiental, incentivando mediante beneficios económicos un nuevo modelo de producción limpia y sostenible. Para determinar la pre factibilidad de los créditos verdes, se realizó una investigación de los créditos verdes existentes, sus características y el segmento de clientes a los que está enfocado, seguido de esto se realizó una encuesta a una muestra significativa de beneficiarios que tiene actividades agropecuarias ubicados en el cantón Otavalo. Se realizó un diseño metodológico en el que se podrá validar la aprobación de los créditos verdes, tomando en cuenta criterios ambientales y sociales, generando una herramienta de calificación aplicable para emprendimientos con proyección a una producción limpia y sostenible. Como resultado de esta investigación se levantó una línea base de emprendimientos agropecuarios de la ciudad de Otavalo, los cuales en un 71% han desarrollado proyectos sustentables y aplican prácticas agroproductivas amigables con el medio ambiente, así también se determinó la factibilidad de la creación y aplicación de créditos verdes al existir interés por parte de los beneficiarios, siendo los créditos verdes una alternativa que por medio de beneficios económicos que las instituciones financieras están en capacidad de otorgar incentivarán el cuidado del medio ambiente dentro de un segmento clave de la población como es el sector agroproductivo
At present, environmental problems produced by industrial processes and agricultural activities can be evidenced, which have been increasing worldwide with the invasion and exploitation of natural resources to meet the needs and supply of a population that continues to grow. Because of this it is important to carry out the development of a proposal of green credits in order to know its theoretical feasibility and its impact in generating an awareness of environmental care, encouraging through economic benefits a new model of clean and sustainable production. To determine the pre-feasibility of green credits, an investigation of the existing green credits, their characteristics and the segment of customers to which it is focused, was carried out. Following this, a survey was conducted to a significant sample of beneficiaries that have agricultural activities located in the canton Otavalo. A methodological design was carried out in which the approval of green credits can be validated, taking into account environmental and social criteria, generating a qualification tool applicable for enterprises with a projection to a clean and sustainable production. As a result of this research, a baseline of agricultural enterprises in the city of Otavalo was raised, which in a 71% have developed sustainable projects and apply agro-productive practices friendly to the environment, thus, the feasibility of the creation and application of green credits was also determined because there is interest on the part of the beneficiaries, being green credits an alternative that through economic benefits that financial institutions are able to grant will encourage the care of the environment within a key segment of the population such as the agro-productive sector.
At present, environmental problems produced by industrial processes and agricultural activities can be evidenced, which have been increasing worldwide with the invasion and exploitation of natural resources to meet the needs and supply of a population that continues to grow. Because of this it is important to carry out the development of a proposal of green credits in order to know its theoretical feasibility and its impact in generating an awareness of environmental care, encouraging through economic benefits a new model of clean and sustainable production. To determine the pre-feasibility of green credits, an investigation of the existing green credits, their characteristics and the segment of customers to which it is focused, was carried out. Following this, a survey was conducted to a significant sample of beneficiaries that have agricultural activities located in the canton Otavalo. A methodological design was carried out in which the approval of green credits can be validated, taking into account environmental and social criteria, generating a qualification tool applicable for enterprises with a projection to a clean and sustainable production. As a result of this research, a baseline of agricultural enterprises in the city of Otavalo was raised, which in a 71% have developed sustainable projects and apply agro-productive practices friendly to the environment, thus, the feasibility of the creation and application of green credits was also determined because there is interest on the part of the beneficiaries, being green credits an alternative that through economic benefits that financial institutions are able to grant will encourage the care of the environment within a key segment of the population such as the agro-productive sector.
Description
Keywords
Crédito verde, Factibilidad, Producción limpia, Sustentabilidad