Inclusión Financiera a través del Crédito de Desarrollo Humano Asociativo Camino al desarrollo de micro-emprendimientos en los beneficiarios del Bono de Desarrollo Humano 2014-2015 Zonal 7 (Distrito Zamora)

Abstract

The Human Development Bond, subsidy granted by the Ecuadorian state to people who are in vulnerable groups, aimed at improving the living standards of the beneficiaries; to achieve this effect, grant the credits Human Development Individual, Associative and Group, allowing a segment of the population that is excluded financial market access these services and use resources in productive initiatives and generate financial resources for the sustenance of your home. It is planned to investigate and assess whether CDHA granted by the Ministry of Economic and Social Inclusion MIES, properly channeled micro generation for the period 2014-2015 is taken as reference information entrepreneurs registered in the database the MIES of the Province of Zamora. Among the key findings highlighted that the institutions responsible for CDHA have no actions to meet the objectives of expanding the market for micro and small businesses and generate joint venture projects done, however, individually it has led to the economic inclusion and social of people excluded from financial and productive access.