Citas bibligráficas
García, P., Quispe, E. (2021). El microcrédito como alternativa para el crecimiento económico [Trabajo de Suficiencia Profesional, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/658989
García, P., Quispe, E. El microcrédito como alternativa para el crecimiento económico [Trabajo de Suficiencia Profesional]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2021. http://hdl.handle.net/10757/658989
@misc{renati/1291604,
title = "El microcrédito como alternativa para el crecimiento económico",
author = "Quispe Alvites, Eda Isabel",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2021"
}
Microcredit has been extended through microfinance, becoming an innovative development tool for the economic growth of a country where the most vulnerable economic agents (formal and informal microentrepreneurs and women) are the main beneficiaries. The objective of this study is to make a qualitative evaluation of the effects of microcredit, which has had on the growth of the economic activity of poor people and women to improve their quality of life at the individual, family, and community level and how it impacts on the economic growth of a country. Taking as economic frameworks the influence of microcredit in poverty reduction and the success achieved by eliminating informal credit and thus enhance entrepreneurship in low-income people, including how microcredit provides economic power to women, which has allowed them to improve their socioeconomic situation and get rid of the economic oppression of their partners. On the other hand, the importance of the use of specific evaluation methodologies to manage and mitigate credit risk and the use of rating approaches such as scoring to reduce the risk of non-payment and visualize future contingencies. The evidence found suggests that microcredit has a positive impact because it has made it possible to produce, improve, grow, expand, generate employment, increase income, use advanced technology, and build a promising future in the individual and collective development of the most vulnerable people; however, some authors mention that microcredit is a tool that over-indebts, generates financial stress, leads to suicide attempts, and fosters gender violence.
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