The microfinance activities that have been implemented by public or private financial institutions ( IF), are viable solutions to benefit more sectors of the population; this kind of activities allow that the financial services in low-income households to become a reality. The analysis of these microfinance activities in the IF, under globalization and local economic development perspectives, let the evaluation about the effects that this type of tendencies have had or not on the financial markets development and on the implementation of a management model at global or local level. The interest of this work is to evaluate if the IF of Merida State has methodologies, instruments or services credit, offered by formal financial system, that allows to benefit sectors of the population which they do not fulfil the conditions to choose to loans, and consequently is isolated of the productive apparatus of the nation and the benefits that this implies, increasing the poverty still more
