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" El manual tiene como
propsito proporcionar una gua e informacin relevante para ampliar el nivel de
conocimientos y la capacidad de los micro-emprendedores(as) productores(as) rurales para
que puedan crear y eficientizar la administracin de sus microempresas, e incentivarlos a
organizarse y a planificar sus actividades para que estn preparados al momento de recibir
financiamiento de alguna fuente, ya sea banco, cooperativa; OPD/ONG, OPDF, etc.
El documento ilustra a grandes rasgos la forma de constituirse, planificar y administrar la
microempresa, la importancia de un prstamo y como el mismo manejado adecuadamente,
incrementa de manera sustancial los ingresos de la empresa.
Se agregan tambin a este documento, importantes apuntes para determinar el capital de
trabajo y el plan de inversin necesario para operar eficientemente una empresa y un
resumen detallado de las ofertas de financiamiento de las diferentes instituciones
financieras, como las enunciadas arriba.
Por ltimo, se ilustra de manera concreta, la informacin que el micro empresario debe
presentar a una institucin financiera, condiciones o requisitos solicitados, costos
financieros y garantas exigidas. Asimismo, se brinda una orientacin bsica sobre como
mantener buenas relaciones con estas organizaciones para conservar el buen record
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4.1 Antecedentes
El municipio de Iriona esta ubicado en el oriente de Honduras, Las tres comunidades en
estudio pertenecen al municipio de Iriona, en el departamento de Colon. Iriona como
cabecera municipal se localiza a orillas del mar Caribe y se encuentra habitada mayormente
por poblacin garfuna que culturalmente no tiene casi ninguna vinculacin con la poblacin
ladina que habita la zona propiamente del Valle de Sico y Paulaya donde se encuentra Las
Champas. El municipio de Iriona tiene un rea de 141,320 Has representando ms del 72%
de la cuenca del Sico y Paulaya, ros que atraviesan todo el Valle en el cual se encuentra
mayormente ganadera como patrimonio bsico de la sub regin. La regin oriental del
pas tiene en general una densidad poblacional bastante baja y es zona de frontera
agrcola. Carece de desarrollo industrial o agroindustrial, aunque cuenta con un enorme
potencial agrcola, ganadero, forestal y turstico.

4.2 Situacin Actual

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6.1 OBJETIVO GENERAL
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5) Distribucin o Venta: En el local y a domicilio, segn pedido por telfono.

9 MATERIAS PRIMAS
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