EVALUACIÓN DE MICROCRÉDITOS

Abstract

This study focuses on evaluating microcredit by Grameen methodology that are given in the country, promoting Associative Credits programs, in search of the insertion of population groups that have no possibility to access to a credit for community development, in order to promote and develop the micro financial sector mainly in the marginal urban area of Isla Trinitaria of Guayaquil and thus recover private entrepreneurial activity in this sector, improving the current product offerings and services, making this mechanism a driving tool of an economic development in Ecuador. The study was made in a retrospective way during the months of November and December 2014 in a descriptive type, in which a field analysis was developed on the site where the objective population are located, which was interviewed and handle associative businesses started through this type of credit. It’s concluded that the Grameen methodology is a viable alternative that the state handles by associative credits modality and micro entrepreneurs through the CFN to give outputs to marginal groups of the economy, inserting them into the economically active population involving neighborhoods groups and sectors to generate incomes for the family.