La Cultura Crediticia en la colectividad y el desarrollo de proyectos micro empresariales

Abstract

This research analyzes the importance of maintaining a credit culture in the economic development of the social community, which allows undertaking successful microenterprise projects, for this it is necessary to conceptualize basic definitions for a better understanding. It is important to analyze various situations in the credit context to identify certain internal and external client behaviors in the financial sphere in order to highlight circumstances that, far from benefiting a microenterprise objective, are often the reasons for losses and lawsuits. The objective of the work is to present a proposal for legal and financial advice to guide and strengthen microenterprise projects for a successful investment, reducing the risk of failure in the enterprise, based on a doctrinal legal analysis of the Credit Culture in the community and the development of the microenterprise project. With the work developed, the atmosphere of trust and credibility that is generated between the financial advisor and the external client when a correct advice has been given was evaluated. This was done by knowing the role played by the financial advisor and how he/she directs the client based on the guidelines investigated with the necessary management for the creation of the micro-entrepreneurial project