El crédito de desarrollo humano y su impacto en la rentabilidad en los microemprendimientos de los beneficiarios del Bono de Desarrollo Humano en el cantón Milagro, período 2014 - 2016.

Abstract

The Human Development Bonus meant a mechanism to help low-income families, especially the female heads of households who were financially supporting their homes, and even more credit for this vulnerable sector, which is a support for entrepreneurship. Aimed to analyze the effect of the loans given to the beneficiaries of the BDH through the profitability of micro-enterprises in Milagro, period 2014 - 2016; The descriptive, deductive, analytical, quantitative, bibliographic and field methodology was applied, using documentary information from the Coordinating Ministry of Social Development records about the BDH and CDH, as well as a survey of a sample of 95 beneficiaries of Milagro, Whose results indicated that in the period 2014-2016 there was a decrease of female heads of household as beneficiaries of the BDH in Milagro, but an increase in the elderly and disabled, with two-thirds female participation, while credits destined for The micro enterprises increased four times, women participated with 90%, while in the amount of the HRC increased five times, the main productive activities: trade and poultry. Nine out of ten microenterprises were profitable because the cash generated was seven times higher than the monthly amount of the BDH, with a positive difference of $ 312.42 per month; Evidencing a Gini index of 9.48%, which showed an adequate level of equity among beneficiaries of the HRC. In conclusion, the effects of credits given to beneficiaries of the BDH are positive in the profitability of microenterprises, which was in line with the policies of equity, poverty reduction and good living.