Inclusión financiera a través de dinero electrónico como mecanismo de ahorro y colocación en el sector microempresarial de la ciudad de Loja

Abstract

Abstract:The present investigation makes reference to the topic "Financial inclusion through electronic money as a saving and placement mechanism in the microenterprise sector of the city of Loja". As background to the research, in some cases and studies carried out in other economies of the world, as in the case of Kenya, it has been shown that this system of savings and placement has presented favorable results in the financial inclusion of that country. From this perspective, it can be analyzed in countries where the circulation of virtual currency has been implemented, high levels of financial inclusion and important advances in financial education have been achieved. Regarding the Methodology, 174 microentrepreneurs from the city of Loja in the parishes of San Sebastian, El Valle, El Sagrario and Sucre, which in turn, together with the collected information, conclude on the feasibility of the implementation of savings and credit through electronic money as a financial inclusion mechanism in the city of Loja.