Convergence and synergy in microfinance and its accessibility for self-employed entrepreneurs

Abstract

It seeks to contribute to the solution to the problem of the fact that the autonomous entrepreneurs of Guayaquil - Ecuador fail to access the benefits of microfinance efficiently and continue to depend on usury as their main provider of microcredit. The intention is to design an integral process that converges synergistically to achieve sustainable prosperity and social equity. The proposal is based on an in-depth analysis of the theories that exist and are developed by different authors and researchers from the origin of finance, autonomous work and autonomous entrepreneurship, oriented to levels of informality called self-employment, which responds to improving levels of underemployment and social unemployment, with poverty being the greatest of calamities, common to all countries and existing economic, political and social systems. The research methodology of mixed theoretical, historical, descriptive, comparative because it analyzes existing documents, a review of the literature of the concepts related to the accessibility that the autonomous micro-entrepreneurs must have. In addition, it seeks the integration of different social actors with operational tools and methodologies to consolidate in a "Network of integrated services to the autonomous micro-entrepreneur" with all social actors, committed to attend and help in the solution or at least reduce to minimum the existing inequities and exclusion where the poor are actually included in microfinance processes as a tool to overcome poverty and dignify their enterprises and develop them to prosperity in the long term.