Diagnóstico de la incidencia en el bienestar material de los habitantes de la ciudad de Ibarra, parroquia El Sagrario con los microcréditos banca comunal, entregados por las Ong´s en los años 2012 y 2013

Abstract

The present investigation, aims to make a diagnosis of the impact in the material welfare of the habitants of Ibarra’s city, in El Sagrario´s parish with the community banking microcredit provided by NGOs in the years 2012 and 2013, concluding that from the 100% of the loans granted by financial institutions, only 1% corresponds to microcredit provided by NGOs. This research is based on the definition of life´s quality, material welfare, communal banking definition and the contribution of other research related to the impact on life´s quality through microcredit. The result comes from processing all the information obtained on field surveys, conducted in the community that received the banking microcredit, which had had an impact on increasing savings, obtain better quality food, self-employment, work development and acquire material possession to El Sagrario parish´s people. There were determined conclusions and recommendations, which were obtained from the investigation´s results, establishing that banking microcredit is not the solution to end poverty, but well-handled will help them improve their material well-being related to saving, employment, food and material possessions.