El presente trabajo tiene como objetivo analizar la sostenibilidad de las instituciones microfinancieras para continuar aportando al desarrollo de los emprendedores, para ello se realizó una investigación descriptiva de tipo revisión bibliográfica con enfoque mixto, sistematizado a través de los métodos de revisión documental, análisis de contenido, hermenéutico y estadístico. Los hallazgos indican que las IMF están debidamente estructurados contribuyen al desarrollo de los comerciantes, sin embargo, en algunos casos esos son utilizados mediante influencias por gente pudiente o para adquirir bienes de consumo. El sistema micro financiero coloca los créditos con la finalidad de mantener un retorno oportuno asegurando la sostenibilidad, las personas que los utilizan adecuadamente alcanzan un desarrollo progresivo.

This paper reviews the implementation of electronic money in Ecuador, a unique case in the world of centralized administration and with a dollarized economy. Also, examine if electronic money has managed to penetrate the population that presents difficulties in accessing public and private financial services, being from the theoretical the main objective of its use. The methodology used is a documentary description, whose objective was to review the current regulations for the use of electronic money, the technological platform used and the agents related to the process, without taking into account the evolution it had since September 2014. 2017 final term established for its massive use, this examination was done by provinces to individuals and legal entities that are conducting transactions with electronic money, tax benefits and transaction costs in search of a positive relationship. It was found that electronic money in Ecuador was not managed to bank in sectors of financial resources tailored to the average medical campaign and tax benefits delivered by the government for its use, finding serious questions in private agents and in business for your acceptance.