The objective of this literature review article is to present a tool that seeks to collaborate with the social phenomenon of poverty, which affects a large part of the world population, and with which new mechanisms have been created to improve living conditions Of people in poverty. The educational tool is known as productive finance and consists of exposing the concept and the importance it can have in the lives of families, as it is expected that through a timely financial education the leaders of each family learn to take the Better decisions regarding their finances and with this they obtain a surplus in the future, being a contribution to improve their quality of life. In the article, the themes and ways of approaching this type of educational project are presented, according to world references, entering to detail saving, investment and debt instruments that are expected to enter into the beneficiaries mentality, creating new management habits Of their cash and offering them the opportunity to implement it in their daily lives to create a healthy habit of saving. Examples of cases in Bangladesh, Trinidad, Uganda, Russia, the Philippines and even in Latin American countries that have been examples of this initiative and with the help of microfinance and microcredit have already made a small but significant contribution to The improvement of the living conditions of many families.