The Savings and Credit Cooperatives environment in the Guaranda canton, Bolívar Province, year 2024
Article Sidebar
Main Article Content
Abstract
The cooperative tradition in Ecuador began in the 19th century with the creation of guild organizations in Quito and Guayaquil. These organizations focused on the well-being of their members through savings and loan funds. As a result, cooperativism has influenced various social and economic aspects, evolving into a doctrine and a business management system. The first Cooperative Law regulated these organizations, especially in the savings, credit, commerce, and housing sectors. The Ecuadorian financial system has since evolved, segmenting cooperatives based on their assets. Currently, there are 535 savings and credit cooperatives that play a crucial role in the country's economic development. However, the crisis caused by the COVID-19 pandemic has affected their financial performance. This research study aims to analyze the environment of Savings and Credit Cooperatives in Guaranda canton, Bolívar Province, in 2024. The study reveals that these cooperatives offer diverse credit lines and services, adapting to local needs. The methodology used has a quantitative and qualitative approach, with a field, descriptive, non-experimental research type. Primary and secondary sources, including books and scientific articles, allowed for solid and well-founded conclusions. The research methods employed were deductive, inductive, and synthetic. These methods facilitated the analysis of the financial and social environment of savings and credit cooperatives in Guaranda canton. Financial indicators such as financial product offerings and non-performing loan portfolio performance were validated based on data collected from participating cooperatives.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
1. Derechos de autor
Las obras que se publican en 593 Digital Publisher CEIT están sujetas a los siguientes términos:
1.1. 593 Digital Publisher CEIT, conserva los derechos patrimoniales (copyright) de las obras publicadas, favorece y permite la reutilización de las mismas bajo la licencia Licencia Creative Commons 4.0 de Reconocimiento-NoComercial-CompartirIgual 4.0, por lo cual se pueden copiar, usar, difundir, transmitir y exponer públicamente, siempre que:
1.1.a. Se cite la autoría y fuente original de su publicación (revista, editorial, URL).
1.1.b. No se usen para fines comerciales u onerosos.
1.1.c. Se mencione la existencia y especificaciones de esta licencia de uso.
Carmita Galudth Borja-Borja, Universidad Estatal de Bolívar - Ecuador
https://orcid.org/0000-0001-9741-2308
Master's Degree in Socio-Productive Projects from Indoamérica University graduated in Economics from the Central University of Ecuador.
Assistant Research Professor at the State University of Bolívar for 14 years, teaching courses in Financial Management, Macroeconomics, and Microeconomics.
I have published several articles in indexed journals with regional and global impact.
Currently, I serve as the Coordinator of the Social Entrepreneurship and Innovation Program.
René Mesías Villacrés-Borja, Universidad Estatal de Bolívar - Ecuador
0000-0003-0934-3926
PhD in Administrative Sciences from the Universidad Mayor San Marcos in Lima, Peru. Master's degree in Business Administration, specialist in Social Research. Economist graduated from the Central University of Ecuador. He has been a Principal Research Professor at the State University of Bolívar for 28 years. He teaches Project Design, Project Evaluation, Entrepreneurship, and Microeconomics. He has published several articles in indexed journals. He is a reviewer for several national journals. He is an advisor on research, investment projects, and investments. He is an entrepreneur in companies in commerce, production, construction, and real estate.
Verónica Janeth Argüello-Pazmiño, Universidad Estatal de Bolívar - Ecuador
0000-0002-5508-9538
Holds a degree in Computer Systems Engineering and master’s degrees in Mathematics (with a focus on Modeling and Teaching) and Information Technology (specializing in Network Security). She is currently a professor at Universidad Estatal de Bolívar and has taught various university-level subjects such as biostatistics, experimental design, and educational statistics. Her research focuses on statistical analysis applied to public health and education, with several indexed publications and books addressing generalized linear models and statistical applications. She has actively participated as a speaker at national and international academic conferences.
Eddy Stalin Alvarado-Pacheco, Universidad Estatal de Bolívar - Ecuador
https://orcid.org/0000-0002-6366-8329
Master's degree in Industrial Management and Production Systems, Industrial Engineer, and Mechanical Technologist from the Escuela Superior Politécnica de Chimborazo.
In the professional field, I worked for 15 years at General Motors del Ecuador as a Quality and Production Processes Engineer, and for nine years as a professor at the State University of Bolívar, teaching Process Management, Quality Management, Operations Research, Statistics, and Process Reengineering.
I am an ISO auditor certified by SISDEC (Business Research and Innovation).
I am an institutional and program evaluator, certified by CACES (Central American Center for Economic Research and Development).
Regarding academic management, I participate in undergraduate and graduate degree processes, a member of research groups, with university research projects, and a research professor with publications of articles, papers, and books, as well as participating in community outreach projects.
I am currently pursuing a PhD in Business Administration at the Research and Innovation University of Mexico (UIIX).
References
SEPS. (2020). Nueva Segmentación Sector Financiero Popular y Solidario. Obtenido de https://n9.cl/zgmdy
Barba Bayas, D. R., & Adriana Margarita, M. N. (septiembre de 2019). Cooperativismo y desarrollo sostenible en el Ecuador. Ciencia Digital.
Coac Jardín Azuayo Ltda. (2021). Informe financiero enero 2021. Cuenca, Ecuador.
Fernández Lorenzo, A., & Galarza Torres, S. P. (13 de Diciembre de 2023). El Cooperativismo en Ecuador: actualidad y perspectivas. COODES. Cooperativismo y Desarrollo, 14.
Gestión Digital 2020. (s.f.). Las cooperativas resistieron bien la pandemia. Obtenido de https://n9.cl/072nh
Hernández Cáceres, D. (2021). Origen y desarrollo del principio cooperativo de interés por la comunidad. Revista de Estudios Cooperativos.
Hernández Sampieri, R., Fernández Collado, C., & Baptista Lucio, M. D. (2014). Metodología de la Investigación. México: Mc Graw Hill.
Jácome Estrella, H. D. (2021). Inclusión Financiera en Ecuador: El Cooperativismo de Ahorro y Crédito como alternativa. Santiago de Compostela. Obtenido de file:///D:/La%20Informacion%20AQUI/Downloads/LEXTN-Jacome-152075-PUBCOM.pdf
Lambert , P. (1961). La doctrina cooperativa. En P. Lambert, La doctrina cooperativa. (pág. 262). Buenos Aires: Buenos Aires : INTERCOOP.
León Bermeo, S. R., & Murillo Párraga , D. Y. (2021). Anaálisis Financiero: Gestionar los riesgos en las Cooperativas de Ahorro y Crédito segmento 1. Fundación kOINONIA.
Peñaherrera Melo, J., & Luque González, A. (2021). Cooperativas de Ahorro y Crédito en Ecuador: El desafío de ser coopetivas. REVESCO. Revista de Estudios Cooperativos, 138.
Red de Instituciones Financieras de Desarrollo, & Equifax. (2020). Covid-19 y sus implicaciones en el Sistema Financiero Nacional . Obtenido de https://n9.cl/99m0
superintendencia de Economía Popular y Solidaria SEPS. (junio de 2024). Obtenido de https://www.seps.gob.ec/calificacion-de-riesgo/
Superintendencia de Economía Popular y Solidario SEPS. (Febrero de 2023). Calificación de Activos de Riesgos y Constitución de Provisiones. Obtenido de https://www.seps.gob.ec/wp-content/uploads/Calificacion-activos-riesgo.pdf
Tóbar Pesántez, L., & Solano Gallegos, S. (2020). Las Cooperativas de Ahorro y Crédito en el contexto del Sistema Financiero Ecuatoriano. Ecosistema, 30.