Programa de capacitación financiera para la inversión de los microcréditos gubernamentales otorgados por el Banco Nacional de Fomento sucursal zonal Riobamba enfocado a los habitantes de la zona rural de la ciudad de Riobamba

Abstract

The investigation topic is a financial traning program for the government-microloan invest grated by Banco Nacional de Fomento branch Riobamaba focused on the rural zone inhabitants in Riobamba canton in order to improve beneficiarie´s lifestyle regarding this service. The investigation outline is made up of five chapters starting by knowing background, requirements and processes to get the human development loan from the bank providing it (Banco Nacional de Fomento) and the rural zone beneficiaries receiving it. As a result, a better current situation knowledge about dome investments is gotten. In second chapter, the loan system and a financial training program theoretical base is studied in the first part, in which microenterprise, investment, financial analysis concepts are explained and they will be the base for the next chapter; in the second part, the rural zone beneficiary environment situation from Riobamba canton is analysed to identify the needs after receiving the human development loan, in the third chaper the information tabulation and analysis collected by surveys, suitable interpretation and a general statistical summry prove the planned hypothesis, the more people are trained the safer the investment is. In the fourth chapter, a training program is presend a solution proposal by means of a workshop about vision and mission using practical examples. In the fifth and last chaper, conclusions and recommendations are described so that Banco Nacional de Fomento representatives can analyze and apply them as a financial training alternative.