Impacto del microcrédito en el mercado central de Tarija

Abstract

The microcredit was born as an opportunity for families with limited resources, in order to create or sustain a small business, generating a financial profit allowing improving the conditions in the sales points of the beneficiaries.The article shows the impact of the microcredit and the most relevant characteristics of microentrepreneurs in the Central Market of the city of Tarija - Bolivia. The methodology used is descriptive and exploratory qualitative, using an intentional non-probabilistic sampling of 202 microentrepreneurs. The survey and interview were used with the purpose of comparing statistical data that present reports of (ASFI, B.C.B., ASOBAN, ASOFIN) with the reality of the borrowers.Among the results obtained, we have that the frequency of access to a microcredit was 2 to 3 times, the amount is in the range of 3,000 to 5,999 Bs., The period they prefer is 2 to 3 years and a rate of interest that most do not remember even though they qualified as an important attribute. The fate of the microcredit is not only for their business, it is also used for improvements in the home.