Análisis de las características del crédito a unidades productivas agropecuarias en el departamento de La Guajira 2021 – 2022.

Abstract

The objective of this research work was to analyze the access to agricultural financing based on the importance of already established and new sources of credit, as well as the productivity of small producers, who predominate in La Guajira, with financing from the agricultural producers, the competitiveness of these with local and foreign merchants of the department is improved. The data is taken from the national database "Agricultural Sector Credit Placements - 2021-2022", in the management of the data the support of the Stata software was used to clean the database used for the analysis of financing. of the Agricultural Productive Units (UPAs) that in 2019 showed a population of 6,455 according to DANE, of which the credits that took place in the study period in La Guajira were 6,111, for the development of the research an analysis is based descriptive using tables and illustrations based on the information from the database, to end with a correlation between the characteristics or variables that affect access to credit. The main components of the variables gave as a result that two of these are the most influential in the department since only these two explain 46% of the variance of the entire year, the characteristics of the credit that showed an influence on access to credit in La Guajira were the gender, the FAG guarantee, the terms and the sub-region where it is requested.