Evaluación del impacto económico del microcrédito otorgado por la Cooperativa de Ahorro y Crédito Cañar Ltda. del periodo 2011 matriz Cañar

Abstract

Economic impact assessment of microcredit granted by the Savings and Credit Cooperative Limited Cañar period 2011 Matrix Cañar. This research is conducted motivated by knowing how to drive microfinance cooperatives, and above all know how important they are The problem is that it is unknown how microcredit has been contributing to the economy of the customers who apply this credit in order to fulfill their various economic activities in the town of Cañar. The goal is to understand how the cooperative has been making in small business that have applied for microcredit to improve its working capital. Methodology applied is qualitative and quantitative. Thus, through a survey of the inhabitants of the city in question, verify whether or not contributed in the growth of their business. According to the results it was verified that such loans are not being channeled to activities that engage different customers, so it is necessary to follow up before, granting the loan. All partners who have invested the amount of money requested, say they have improved their family income, and their businesses are growing not only in services but also in its infrastructure. The loans are intended for small traders, therefore, it is necessary to justify their income to determine the and expenses of the business, it is important to estimate the costs incurred by the debtor´s family, in this way we can determine the amount of loan they are requesting. So the visit to the customer´s home and business will be part of the credit assessment determinant, it is recommended to keep trained people in charge of the credits to make placements routed efficiently and microcredit to support small businesses, and so improve their income to help the growth of the city and therefore the country. Conclusion, it is not being monitored to the microcredit by the same manager, and it is recommended that before granting microcredit should be analyzed all parameters set to be granted a loan.