Las Microfinanzas en Ecuador: Herramienta para la reducción de la pobreza dentro de los Objetivos de Desarrollo Sostenible (ODS).

Abstract

This research examines the impact of microfinance on poverty reduction in Ecuador, focusing on rural areas and its contribution to the Sustainable Development Goals (SDGs). Using a mixed approach the study evaluates how access to microcredit improves socioeconomic conditions, promotes entrepreneurship, and generates employment. Results indicate a 45% increase in microcredit access and a 67% participation of women beneficiaries. Additionally, 150,000 microenterprises and 450,000 jobs were created, with beneficiaries’ income rising by 25%. However, challenges such as over-indebtedness and limited financial education persist. The study concludes that microfinance serves as an effective tool for financial inclusion and poverty reduction, but its long-term sustainability depends on strengthening institutional support, improving financial literacy, and fostering inclusive rural development strategies.