Generación de capital social a través de las microfinanzas en la provincia de Zamora Chinchipe; cantones Zamora y Yantzaza.

Abstract

Microfinance emerge as a financial alternative element to the formal financial markets, as regulated banks and stock exchanges; besides being a tool that offers multiple opportunities for those developing countries, which are contributing to the progress of microenterprise, it seeks the creation of higher incomes and more work sources, achieving in that way to satisfy the needs of households. This paper aims to make the corresponding analysis of the contribution of microfinance in generating capital, by which microcredit is taken as an instrument of microfinance to measure the impact it has the social capital, in the cantons of Zamora and Yantzaza belonging to the province of Zamora Chinchipe. From the results obtained, we can high light the obvious benefits obtained by microentrepreneurs to access the microcredit, among them we have the generation of links with: business contacts, customers, providers, among others, which have favored the growth of their business, allowing improve their economic income and quality of life.

KEYWORDS: Microfinance, microcredit, credit, micro-entrepreneurs, microenterprise, microfinance institutions, social capital, social benefits, social networks.