Inclusión financiera a través de la cultura de ahorro: camino al desarrollo de micro emprendimientos en los sectores vulnerables de la ciudad de Loja

Abstract

Abstract: The socio-economic development of countries increasingly base their productive management in microfinance as a tool to contribute to the generation of financial services that contribute to the welfare of society, especially vulnerable sectors such as microcredit through the delivery of credit of human development, in the case of Ecuador to enhance the management of microenterprise and achieve greater inclusion of beneficiaries in the economy. So we have tried to determine the influence of financial inclusion in the culture of savings for the generation of microenterprise; through a proposal focused on the socialization of the process and an articulation of the different capacities of the sector with technical support in territory by competent bodies. We analyze the information of the surveys applied to the beneficiaries taken from the database of the Ministry of Economic and Social Inclusion as a means to highlight their situation and thus make a proposal adapted to the reality of the beneficiaries.