Microcrédito, microempresa y educación: Caso Cantón Zamora

Abstract

Abstract: The purpose of this article is to show the results obtained after the training applied to a group of micro-entrepreneurs in Zamora canton, where Micro-entrepreneurs were informed about the management of financial tools, which are necessary for an effective administration of their businesses, those tools let them use in a efficient way their resources and make right decisions. This study was done with a sample of 306 establishments, which a survey was applied, through it the needs and requirements of each micro-entrepreneur were detected; this information was used as a base for planning the training program. It had an attendance of 47 representatives of the establishments who attended voluntarily. At the end of the training, participants were able to manage how their income and economic outflows appropriately, through the financial statements of their business; In addition, they realized about their level of indebtedness, financial capacity and adapting their company to the reality of the market, with the application of Financial indicators, achieving a competitive advantage in comparison to other microenterprises.