Microcrédito y la generación de actividades productivas en la provincia de Zamora Chinchipe en el año 2015

Abstract

Abstract: The objective of this research is to analyze if the microcredit has allowed the generation of productive activities of Zamora Chinchipe province in 2015, that is, if the financing under the microcredit modality has contributed to the development of productive activities of this area of study. In order to accomplish this was necessary to carry out an exploratory-descriptive investigation taking information collected from 659 surveys applied to microentrepreneurs, from that surveys 299 were made in Yanzatza and 360 in Zamora city. The data collected allowed the analysis of seven variables, including the profile of the microentrepreneur, gender and access to microcredit, the destination and amount of microcredit and its relationship with productive activities investment object. Results obtained showed that, it is evident that the microcredit in the province of Zamora Chinchipe has not been a generator of productive activities, since only 10% of microentrepreneurs use the microcredit to finance businesses that are in this branch, unlike of 62% that relates it to commercial activities, both in wholesale and retail.