LA RECUPERACIÓN DE LOS CRÉDITOS EDUCATIVOS OTORGADOS POR LA REGIONAL 5 DEL IECE MANABÍ, Y SU INCIDENCIA EN LA CONCESIÓN DE NUEVOS PRÉSTAMOS. PERÍODO 2001-2005

Abstract

We are living in a time of globalization and integrating processes of countries nations, where the main potential and development of countries and organizations, depend on the knowledge and training of people to form integral men and women, so we need to have enough economical resources in order to we are capable to finance their studies, but these resources are not available for manabitian students as well as professionals, it can be due lo low incomes or lack of work opportunities. The human capital raises as a consequence of general education and nowadays, it has a strategic function in any organization that tries to compete. The Ecuadorian Institute of Education and Scholarships Manabi Region 5, has a social service through educative credit, this credit is available for professionals or students who need to be educated, and they do not have enough money to allow their necessities by themselves. The scholarships are paid by monthly fees once the students or professional finish their training. One of the main sources of financing of the Educative Credit are the contribution of 0.5% of the private employees and the collection of given loans. Demand of Education Credit oustrips supply in a great percentage; however IECE is making big efforts and managements to diversify its resources of financing with the purpose of reach a better cover of the potential demand. We consider it is indispensable to analyze the variables which take part in the recovery of loans, since with this money it is able to give new loans, in other words, the Educative Credit is a rotating fund of social service