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Embark on a journey with Dr. Mynor Corzo Santiago, a luminary in the realm of finance, holding a prestigious Doctorate in Finance from Atlantic International University (AIU). His transformative career trajectory is deeply rooted in the andragogy-driven dynamic education crafted by AIU. This crucible enriched his reservoir of knowledge and meticulously honed the skills indispensable for a stellar professional odyssey.

This introduction peels back the layers of Dr. Corzo Santiago's extraordinary narrative, revealing a visionary leader who has not merely adapted to change but has emerged as a dynamic force, actively reshaping the finance landscape. Driven by a passion for innovation and a commitment to excellence, he stands as a testament to the profound impact of education when seamlessly intertwined with real-world applications. Join us as we explore the fascinating story of a trailblazer who, propelled by AIU's educational prowess, has become a beacon of transformative leadership in the ever-evolving world of finance.

Educational Background

Having embarked on the challenging journey of pursuing a Doctorate in Finance at AIU, Dr. Corzo Santiago delved deep into a comprehensive and rigorous academic curriculum. At the heart of his educational endeavor was the unwavering support he received from every facet of AIU—the administrative teams or the academic luminaries. This support was not just a facilitator but a cornerstone that left an indelible mark characterized by professionalism and a steadfast commitment to academic seriousness in all processes.

His academic sojourn at AIU was more than a pursuit of knowledge; it was an immersive experience that crafted the very foundation of his expertise. The curriculum, meticulously designed to challenge and inspire, became the crucible in which Dr. Corzo Santiago honed his analytical prowess and deepened his understanding of finance. The synergy between theoretical concepts and practical applications provided by AIU became instrumental in shaping his academic acumen and profound insight into the real-world applications of financial principles.

The lasting impression left by AIU's commitment to excellence resonates in Dr. Corzo Santiago's professional journey, where the academic foundation laid during his time at AIU has become the bedrock of his success in comprehending intricate financial dynamics and strategically applying them in real-world scenarios. His story is a testament to the transformative power of a holistic and rigorous education that extends beyond the classroom, preparing individuals to navigate the complexities of their respective fields with finesse and innovation.

Professional Achievements

Dr. Corzo Santiago stands at the helm of transformative leadership as the General Manager of FONDESOL (Fondo para el Desarrollo Solidario), where his visionary approach has been nothing short of instrumental in propelling positive change and fostering sustainable development. As the General Manager, he orchestrates strategic decision-making with a keen eye on the broader economic landscape, overseeing the day-to-day operations and sculpting the financial trajectory of Guatemala's small and medium-sized enterprises (SMEs).

At the epicenter of his responsibilities lies the art of strategic decision-making, where Dr. Corzo Santiago navigates the complexities of the financial realm with finesse and foresight. Beyond the routine tasks, he shapes and executes initiatives that resonate with the ethos of sustainable development, ensuring that FONDESOL catalyzes positive economic change in Guatemala. His leadership transcends the integrated and traditional boundaries of a managerial role, transforming FONDESOL into a dynamic force committed to the growth and resilience of SMEs.

As the overseer of day-to-day operations, Dr. Corzo Santiago's leadership is characterized by a hands-on and proactive approach. He manages the organization's intricacies and envisions and implements innovative financial solutions that underpin the growth and prosperity of SMEs. By infusing a strategic mindset into the operational fabric, he has created an environment where each decision aligns with the goal of fostering economic growth, driving employment, and enhancing the community's overall well-being.

Dr. Corzo Santiago's role as the General Manager of FONDESOL encapsulates more than just a title; it represents a commitment to creating a lasting impact on the financial landscape of Guatemala. His leadership becomes a testament to the transformative potential that a dedicated and visionary individual can bring to an organization, propelling it toward sustainable growth and leaving an indelible mark on the region's economic fabric.

Contributions to Academia

Beyond his managerial duties, Dr. Corzo Santiago, emerges as an academic luminary, generously imparting his knowledge as a distinguished Professor at the Universidad Autonoma de Madrid in Spain. His multifaceted expertise extends its reach into the intricate domain of microfinance, where he not only imparts theoretical insights but actively contributes to shaping the minds of future financial professionals.

Dr. Corzo Santiago has become a catalyst for growth and innovation in the academic sphere. His commitment to developing financial professionals goes beyond conventional teaching methods; it is a dynamic engagement that fosters critical thinking, nurtures a deep understanding of microfinance intricacies, and instills a sense of responsibility in the next generation of financial leaders.

As a beacon of knowledge at Universidad Autonoma de Madrid, Dr. Corzo Santiago's influence is not confined to the classroom; it permeates the corridors of academia, leaving an enduring impact on the financial landscape. By dedicating himself to the education of future professionals, he becomes an architect of change, shaping a cadre of individuals equipped with technical proficiency and a holistic understanding of the role of microfinance in the broader economic context. Dr. Corzo Santiago's commitment to education transcends the boundaries of his managerial role, reflecting a passion for cultivating excellence that echoes through the corridors of higher learning and into the future of financial leadership.

Research Endeavors

Dr. Corzo Santiago's commitment to advancing financial inclusion is evident in his involvement in a comprehensive research study on SMEs' access to credit in Latin America. This study, rooted in both literature review and on-the-ground research in El Salvador and Peru, addresses the critical issue of the mismatch between the demand and supply of financing for SMEs in the region. Including case studies from Peru and El Salvador adds depth to the analysis, showcasing a holistic understanding of the challenges and opportunities in the region.

Key Findings

The comprehensive study conducted by Dr. Corzo Santiago delves into the intricate challenges that Small and Medium-sized Enterprises (SMEs) encounter in their pursuit of credit, even in the wake of financial market liberalization across the Latin American region. Dr. Corzo Santiago's research serves as a beacon, illuminating the nuanced variations in credit access among the diverse economies of Latin American countries.

  1. High-Interest Rates as a Barrier

    Dr. Corzo Santiago's research underscores SMEs' pervasive challenge—high-interest rates. The study meticulously unravels how exorbitant interest rates act as formidable barriers, impeding the financial prospects of these enterprises. The findings shed light on the disproportionate burden placed on SMEs, hindering their financial sustainability and growth.

  2. Short Terms and Their Implications

    Short terms, another focal point of the study, emerge as a critical aspect inhibiting SMEs' access to credit. Dr. Corzo Santiago's research delves into the repercussions of these truncated timelines, demonstrating how they curtail the ability of SMEs to plan and execute long-term strategies. The study thus reveals a critical juncture where the mismatch between credit terms and the operational needs of SMEs becomes apparent.

  3. Stringent Collateral Requirements

    The research focuses on the stringent collateral requirements imposed on SMEs. Dr. Corzo Santiago's findings underscore the impediments posed by these requirements, creating barriers beyond many SMEs' financial capacity. The study raises questions about the proportionality of these requirements, hinting at a need for a more balanced and inclusive approach to credit access.

  4. Impact on Economic Growth

    Dr. Corzo Santiago's research goes beyond SMEs' immediate challenges, emphasizing the broader economic implications. The study articulates how these obstacles, including high interest rates, short terms, and stringent collateral requirements, collectively hinder the ability of SMEs to thrive. In doing so, they become hindrances to individual businesses and stumbling blocks to overall economic growth.

In unraveling these findings, Dr. Corzo Santiago's research becomes a critical voice in the discourse surrounding financial inclusivity and the role of SMEs in driving economic prosperity. The study not only diagnoses the challenges but also paves the way for actionable insights and recommendations that can potentially reshape the financial landscape, fostering an environment where SMEs can flourish and contribute meaningfully to the economic vibrancy of Latin America.

Impact of AIU's Education on Professional Role

When reflecting on his role as the General Manager of FONDESOL, Dr. Corzo Santiago acknowledges the profound impact of the knowledge gained at AIU. The dynamic virtual education model at AIU equipped him with the analytical skills and strategic mindset necessary to navigate the complexities of financial management in the real world. The synthesis of academic rigor and practical application has enabled him to address challenges in SME financing with a well-informed and innovative approach.


Dr. Mynor Corzo Santiago's journey from an AIU doctoral student to the General Manager of FONDESOL is a testament to the transformative power of education. His dedication to advancing financial inclusion and his multifaceted contributions to academia and research exemplify a well-rounded andragogy-driven education's impact. Dr. Corzo Santiago is a beacon of success, inspiring others to leverage education for positive change in their fields.

Dr. Mynor Corzo Santiago's journey invites you to explore the possibilities an andragogy-driven education can unlock. Are you ready to embark on a transformative educational journey beyond textbooks, empowering you to become a catalyst for change in your chosen field?

Join AIU, where dynamic education meets real-world impact. Follow in the footsteps of visionaries like Dr. Mynor Corzo Santiago and leverage education as a powerful tool for positive change. Discover the potential within you – become a part of AIU today!

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