“Análisis de los aspectos económicos y financieros que limitan la adquisición de vivienda digna a familias con ingresos de hasta dos salarios mínimos a través de BANHPROVI en 2019 al 2020.”

Abstract

In this research, it was carried out for the reason that Intermediary Financial Institutions, by their initials IFI's, as well as intermediaries for the placement of decent homes, through the Honduran Bank for Production and Housing (BANHPROVI), are limited to granting credit for decent housing to people who earn up to two minimum wages, because there is not yet a project that benefits this segment of the population of Honduras. The main objective of this research is to highlight how financial and economic policies and financial intermediation impact Hondurans who earn up to two minimum wages in the acquisition of decent housing, thus being the solidarity economic theory the one that best adapts to this study. A quantitative study was applied, because several people who attend decent housing projects were studied. It has an exploratory cross-sectional scope, because information is collected on a stipulated date and knowing the context data of Honduran families of up to two minimum wages, respectively, implying that the research design is non-experimental because study variables cannot be deliberately manipulated. This investigation allowed us to find that approximately 64% of the population that requests a loan through the IFI’s, under the range of up to two minimum wages, is disqualified because it does not comply with the compliance policies where they are shown in the following table: