Finanzas inclusivas y su incidencia en los micro emprendimientos en las personas que perciben el Crédito de Desarrollo Humano Asociativo (CDHA) en la ciudad de Loja.

Abstract

Inclusive finances have been established with the purpose of helping people with scarce economic resources, that generate financial resources that become the fundamental basis for the development of the family economy. With the previous antecedent, the main objective of the research that focuses on determining whether inclusive finances affect the generation of microenterprises in the beneficiaries of CDHA, concluding that this subsidy does improve the quality of life of the beneficiaries who were mostly women married with primary education and in an age range of mostly 31 to 40 years, used the CDHA to start their own business raising animals of species minors, crafts, agriculture. To obtain the respective information, we worked with the pilot base of the beneficiaries of the CDHA for the years 2013-2014 and 2015, provided by the MIES; Conducting the appropriate interviews and surveys to each beneficiary of the CDHA, to determine if the subsidy was properly channeled into the generation of micro-entrepreneurship activities.