EL SISTEMA DE CONCESIÓN Y RECUPERACIÓN DE CRÉDITOS OTORGADOS POR FINCA Y SU INCIDENCIA EN EL DESARROLLO SOCIOECONÓMICO DEL SECTOR MICROEMPRESARIAL EN LA PROVINCIA DE MANABÍ. PERÍODO 2003 – 2006

Abstract

In view of the lack of the Ecuadorian population's employment and in the face of the prevailing necessity of having an entrance to be able to subsist, people look for an alternative of economic benefit, and that better still if this benefit provides it to him its own business. In view of that, the financial institutions decide to support these people offering a product called microcredit. The microcredits are small credits that help thenm to the creation, development and growth of a business, constituting this way sources of revenues. The social impact of these micro-credits gives us as answers families with better revenues that revert them in their socio-economic growth, that which allows to improve the quality of life of them. It's necessary to sustain this economic help, since venturesome people that cannot continue for lack of opportunities exist; for this is created the "Financiera Internacional para la Asistencia Comunitaria" (FINCA), like an alternative that allows to people of scarce economic resources with little accessibility to the financial system with desires of establishing a business to be able to begin in the field of the micro-credits or in their defect to already inject fresh capitals to their business formed