This program arises from the need to provide poor families with a microbusiness to access credit without having great guarantees, or credit history to support it. We provide funds with a flat 5% interest so that the best microentrepreneurs can either expand their business or access working capital. Our methodology is very Grameen Bank style, users are treated with all respect, and they are held responsible for this program that must be self-managed and conducted with the minimum possible cost, since the sustainability of it is given by the very small interest offered by the placement of the funds. GENERAL OBJECTIVE: To improve the living conditions of the owners of micro and small companies and their families, oriented to the most vulnerable sector of the economically active population pyramid of the municipality of Ciudad Sandino. Guaranteeing profits that allow them to develop a business idea or expand it. COMPONENTS: Credit, Training and Technical Assistance (Business Promotion).