<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2007-0705</journal-id>
<journal-title><![CDATA[Nova scientia]]></journal-title>
<abbrev-journal-title><![CDATA[Nova scientia]]></abbrev-journal-title>
<issn>2007-0705</issn>
<publisher>
<publisher-name><![CDATA[Universidad de La Salle Bajío A. C., Coordinación de Investigación]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2007-07052020000100018</article-id>
<article-id pub-id-type="doi">10.21640/ns.v12i24.2264</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Caja de ahorro informal, una opción de autoapoyo económico en sectores de bajos recursos]]></article-title>
<article-title xml:lang="en"><![CDATA[Informal saving bank, an option for economic self-support in low-income sectors]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Marcelino-Aranda]]></surname>
<given-names><![CDATA[Mariana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Muñoz Marcelino]]></surname>
<given-names><![CDATA[David]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Fregoso Jasso]]></surname>
<given-names><![CDATA[Gabriel Salvador]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Instituto Politécnico Nacional Unidad Profesional Interdisciplinaria de Ingeniería y Ciencias Sociales y Administrativas ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad de Guadalajara Centro Universitario de Ciencias Económico-Administrativas ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>00</month>
<year>2020</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>00</month>
<year>2020</year>
</pub-date>
<volume>12</volume>
<numero>24</numero>
<fpage>0</fpage>
<lpage>0</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2007-07052020000100018&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2007-07052020000100018&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2007-07052020000100018&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen  Introducción:  La pobreza perjudica a las personas al limitarles la posibilidad de cubrir sus necesidades básicas, y en la mayoría de las ocasiones el acceso a los sistemas formales de financiamiento. Esta situación lleva a que las personas se organicen en estructuras de autoayuda comunitaria para poder acceder a servicios de ahorro y crédito. En aras de comprender las dinámicas de operación de estas estructuras de autoayuda, esta investigación permite conocer a detalle la operatividad de una caja de ahorro informal, los beneficios económicos que se generan al interior de sus participantes y sus similitudes con los datos de la Encuesta Nacional de Inclusión Financiera (ENIG) del año 2015.  Método:  Estudio descriptivo con un método cualitativo de estudio de caso. El trabajo de campo se llevó in situ por 50 semanas. Análisis de documentos y registros internos, aplicación de entrevistas, cuestionarios y observación directa.  Resultados:  El 50% de los integrantes de la Caja de Ahorro Informal utilizan el dinero para el pago de deudas versus el 33% del nivel nacional. Las mujeres son quienes utilizan sus ahorros y ganancias para aumentar su masa de rendimiento a través de la inversión o creación de micronegocios. Las personas que obtuvieron una mayor tasa pasiva fueron del 32% y la menor del 21%. Entre los 22 miembros de la CAI se obtuvo un ahorro de $160,100.00 con un monto de préstamos de $255,500.00.  Discusión o Conclusión: La demanda de servicios financieros de la población de bajos ingresos no atendida por la banca comercial propicia el surgimiento de entidades al margen de las estructuras formales del mercado financiero. Estos sistemas informales ofrecen servicios flexibles de ahorro y crédito acorde a las necesidades y expectativas de sus integrantes.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract  Introduction:  Poverty harms people by limiting the possibility to cover their basic needs and, in many cases, access to formal financing systems. This leads people to organize themselves in community self-help structures to access savings and credit services. In order to understand the dynamics of the operation of these self-help structures, this research allows us to know in detail the operation of an informal saving bank, the economic benefits that are generated within its participants and similarities with the data from the National Survey of Financial Inclusion (ENIG) for the year 2015.  Method: Descriptive study with a qualitative method of case study. The fieldwork took place on situ for 50 weeks. Documentary and internal records analysis, application of interviews, questionnaires and direct observation.  Results:  The 50% of the members of the Informal Saving Bank use the money to pay debts versus the 33% of the national level. Women are who use their savings and earnings to increase your return on performance through investment or micro-business creation. People who obtained a higher passive rate were 32% and the lowest 21%. Among the 22 members of the CAI, savings of $ 160,100.00 were obtained with a loan amount of $ 255,500.00.  Discussion or Conclusion:  The demand for financial services of the low-income population not served by commercial banks encourages the emergence of entities outside the formal structures of the financial market. These informal systems offer flexible savings and credit services according to the needs and expectations of their members.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[caja de ahorro]]></kwd>
<kwd lng="es"><![CDATA[pobreza]]></kwd>
<kwd lng="es"><![CDATA[microfinanciamiento]]></kwd>
<kwd lng="es"><![CDATA[ahorro y crédito]]></kwd>
<kwd lng="en"><![CDATA[saving bank]]></kwd>
<kwd lng="en"><![CDATA[poverty]]></kwd>
<kwd lng="en"><![CDATA[microfinance]]></kwd>
<kwd lng="en"><![CDATA[saving and credit]]></kwd>
</kwd-group>
</article-meta>
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