Análisis financiero de los microcréditos '5-5-5' otorgados por el Banco Nacional de Fomento en la Parroquia de Malacatos de la Provincia de Loja durante el periodo de enero 2008 a diciembre del año 2012

摘要

Study entitled ''financial analysis of micro-credits "5-5 - 5" issued by Banco Nacional de Fomento in the parish of Malacatos in the Loja province during the period January 2008 - December of 2012 ", part of a historical study - general of micro credit in the local context, to recognize institutions offering micro services financiers and beneficiaries of these services located rural parish of the city of Loja, was necessary to apply interviews with managers of the entities and surveys to customers of the BNF, in order to meet the given contribution from these services. Results are based on the analysis of the economic evolution of the beneficiaries of the services micro credits for five years, as it relates to income, saving and consumption reflected in improvements to their business, information allowing to know that participants in micro-credits have been out of poverty and contribute to the economic development of the city through the contribution in tax obligations. Also the impact of micro-credit is due to the drastic change in their economies, the social behavior and well-being.