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From 2012 and until 2016, Proyecto Capital signed several cooperation agreements, and worked jointly with the Ministerio Coordinador de la Política Social (Coordinating Ministry of Social Policy), different savings and credit cooperatives, and the Central Bank of Ecuador to promote the financial inclusion of the population participating in the conditional cash transfer program “Bono de Desarrollo Humano” (Human Development Bonus – BDH).


In Ecuador, we provided technical assistance for the design and improvement of adequate savings products for the BDH participating population, such as simplified savings accounts and scheduled savings accounts; as well as for the implementation of a financial education strategy based on the use of ludic methodologies (popular traveling theater, storyboards, and radio soap opera). At Fundación Capital, we develop these tools to generate changes in the behavior of the population, encourage higher levels of savings and motivate the opening of savings accounts specifically designed for the participants of the CCT program.


In addition, training and awareness-raising activities were carried out with government officials and financial entities on topics such as personal finance management and customer service, according to the needs of public financial education policy.


Key dates:

  • August 2011. Signing of an agreement with the National Program of Popular Finance, Entrepreneurship and Solidarity Economy.
  • November 2012. Implementation of the financial education pilot “Thinking of Tomorrow.”
  • December 2013. Qualitative evaluation of pilot processes and results.
  • May 2014. Signing of an agreement with the Savings and Credit Cooperative “Jardín Azuayo.”
  • January 2015. Exchange of experiences event with new cooperatives.
  • July 2015. Signing of agreements with the Central Bank, Institute of Popular and Solidarity Economy (IEPS) and the cooperatives CALCETA and Fernando DAquilema.
  • June 2015. Supporting the national financial education strategy articulated by the Central Bank.
  • January 2016. Knowledge exchange event between Ecuador and Colombia, focusing on mobile payments for the subsidies.




Target population:

Women, rural population, urban population, people in extreme poverty, people receiving CCTs.



Providing technical assistance to savings and credit cooperatives in charge of paying the Human Development Bond, for the design of a financial inclusion strategy for their recipients, which included the design and testing of savings products and financial education programmes through different channels.



  • 32,000 people received financial education in different and fun formats ((popular traveling theater, storyboards and radio soap opera).
  • 13 438 savings accounts were opened.
  • Three savings products designed for the BDH recipients: savings, programmed savings and microinsurance.


Related projects: Proyecto Capital