Las microfinanzas como herramienta para el desarrollo social y económico y su repercusión en el bienestar de los habitantes de los sectores periféricos. Caso de las cajas de ahorro y crédito comunitarias

Abstract

This paper shows the relationship between savings and additional benefits such as credit, and welfare from the complete satisfaction of basic needs. The operation of a savings and credit community and the bonds that are formed in it, to help its partners to address emerging situations of lack of money and how to help micro-credit to small enterprises that generate training explained additional income to household. It also shows as planned short and medium term proper use of the money through a savings culture and how the goals set in the short term can be achieved with proper financial planning, to avoid falling into over-indebtedness. Teamwork, it generated widespread who are part of the same benefits, so that the savings and credit community feed the small savings for lending partners that allow members to improve their quality of life, but not only on a personal level but also general and community level.