Impacto de los microcréditos en la calidad de vida y empoderamiento de las mujeres: caso de estudio de mujeres comerciantes en la ciudad de Loja, 2024

Abstract

Abstract: The purpose of this research is to analyze the impact that microcredits have in the quality of life and the empowerment of women dedicated to commercial activities, and the factors that determine its success or failure. For this purpose, a study was carried out qualitative through in-depth interviews with 20 women market workers in the city of Loja, beneficiaries of microcredits. The interviews addressed the demographic dimensions, microcredits, quality of life and empowerment. The results revealed that microcredits do represent a significant boost to improve both the women's quality of life, since their income improved. The economic benefits are frequently reinvested in business growth as well as customer needs. families, especially when women are heads of households. The impact of the microcredits in the empowerment of women is clearly positive, since these programs have influenced their emotional well-being, economic and financial independence, as well as as in your self-confidence and self-esteem. Some key factors that influence the success of microcredits are the age, the level of training, the destination of the microcredit, the management financial and savings. Furthermore, it was observed that the changes and benefits derived from the Microcredits usually manifest themselves in the medium and long term. These findings highlight the importance of considering not only the provision of microcredit, but also education financial management and training to ensure the success and sustainability of microcredit.