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The article discusses microcredit as a possible instrument for local development, especially when some financial institutions arrive in local towns of limited resources with credit possibilities in soft conditions and when there is a constant training for the use of said resources on individual or collective projects for the production and the services. The paper analyzes the specific program of the Sistema de Financiamiento Rural Alternativo (SIFRA, System for Alternative Rural Financing), which has been implemented in the state of Jalisco for several years, with the support and collaboration of the government's Secretaría de Desarrollo Rural (Department of Rural Development) as well as that of several non-government organizations. [ABSTRACT FROM AUTHOR]

This paper is a study on the relation existing between the concepts of vulnerability and victimization. Victimization is not limited to the situation of a person who has suffered from a crime. "Tacit" victimization --as we have labeled it-- may be suffered by any person due to endogenous and/ or exogenous causes; among the latter, poverty is one of the most harmful. In this sense, tacit victimization which derives from vulnerability must be tackled by means of public policies of social orientation. The State must comply with this purpose, in stead of spending Money on patrol cars and weapons, because the millions of victims that erratic public policies cause surpass the thousands of crime victims. [ABSTRACT FROM AUTHOR]