CREDIT AS DETONATOR OF DEVELOPMENT IN TWO RURAL COMMUNITIES IN PUEBLA, MÉXICO

Abstract

Within a strategy of territorial development, credit is a very important element in productive activities,
since its good use allows reducing the poverty and increasing the local competitiveness. However,
the availability of resources in the credit market in México is scarce, since commercial banking and of development do not consider it to be a priority. With the objective of analyzing the access to credit as a pathway for rural development, a study in the municipalities in Domingo Arenas and San Andrés Calpan, Puebla, México, was carried out; 252 structured surveys were applied to various actors in the municipalities mentioned, recorded as results; in the case of established businesses, the main source of financing was internal and came from utilities of their own obtained through the sale of their products or from their labor. There is a generalized idea that the interests that institutions take on are quite high, and also, those who have received credit allot part of these resources to consumption expenditure, generating in some cases scarce capitalization.