Granting credit financing for agricultural projects in BANDEC Holguin

Abstract

The objective of this article is to diagnose the granting of credit financing to agricultural projects at the Banco de Crédito y Comercio in Holguín, which will favor its selection by the Cuban banking system according to sustainability criteria and thus enable a diagnosis of its evolution. Multiple case study, analytical-synthetic, and interview methods were used during data collection to arrive at qualitatively superior criteria and interpret descriptive statistics. The results show that the return on loan capital is affected, causing an increase in provisions for financial assets. The existing methodology for credit management and current banking regulations do not guarantee compliance with the requirements of sustainable banking