LAS LÍNEAS DE CRÉDITO DE LA COOPERATIVA ARCO IRIS LTDA. DIRIGIDAS A LOS MICROEMPRESARIOS INFORMALES DE LA ZONA URBANA DE PORTOVIEJO Y SU INCIDENCIA EN EL DESARROLLO SOCIOECONÓMICO DE LOS MISMOS. PERÍODO 2003-2006

Abstract

In Ecuador in the last years the informal activity has grown due to lack of formal sources of work in the country, case that has not been strange in the Portoviejo city in where the informal commercial activity has increased of vertiginous form lately. This is an activity to which they must without number of Portoviejo´s families, struck frequently by economic problems, due to recessions in the local economy, for those who it is difficult to them to obtain financing on the part of the traditional bank, due to his condition of unreliable people. The cooperative was present for about of 30 years in the province and has been in one of its organizations The ―Cooperativa de Ahorro y Crédito Arco iris Ltda.‖, in where a program is developed to alleviate this latent problem in the informal activity, since the high interests that must pay to the "chulqueros", to do that his already debilitated economies they break. The cooperative worried about this problem sends a line of credit destined to dedicated account partners to the informal commercial activity, trying to give solutions to its problems of financing, so that with it they can increase his businesses and they obtain an economic and social development. By before exposed, in the present work of investigation, in the Chapter 1 analyzed the antecedents and justification of the mentioned investigation, doing emphasis in the types of justification and the facts that they precede to the problem. In the Chapter 2 to consider, it is described, it analyzed and the problem of the investigation is delimited, that is transformed in the financing for the informal commercial sector