El microcrédito y su efecto en las asociaciones de la Economía Popular y Solidaria ubicadas en las parroquias urbanas de la ciudad de Loja

Abstract

Abstract: The Popular and Solidarity Economy has taken an increasingly significant role in the Economic Models of several countries around the world, in our country it is part of the productive matrix to promote the development of enterprises and small companies that have been formed to contribute to the Ecuadorian economy. Many of the people involved are unemployed and small entrepreneurs who have found it necessary to generate a source of income for themselves and their families by creating independent workshops, often in their own homes. According to a database of the Organizations of the Popular and Solidarity Economy in the province of Loja there are 409 registered associations, for the present research work a sample of 116 associations located in the urban parishes of the city of Loja was taken to carry out a poll. Despite the fact that this economic model has been in our country for several years, uncertainty is still generated in those involved about what will happen when forming joint ventures, the advantages and disadvantages that this would bring to their small businesses and the correct way to take decisions in them. The present research work proposes to analyze the effect of obtaining a microcredit, to make an assessment of the different economic and social impacts that prevailed after the granting of the financing, and to highlight the presence of women in the associations.