Análisis del manejo de los recursos en las Cooperativas de Ahorro y Crédito que pertenecen a la Economía Popular y Solidaria en Guayaquil, Año 2021

Abstract

The cooperatives of saving and credit they are the mixture or association between different people, who have different points of view and sectors, considering that it is in the market to satisfy the needs of a certain population, through the offering of its products and services, considering the projections of the partners. The EPS, to improve the economy, follows its regulatory framework in a more specific way, providing maintenance and support for ventures in the market of the country's parishes, calling entities of the popular and solidarity economy mainly savings cooperatives. and credit, solidarity entities, communal banks, etc. Given the different laws that have been presented, they have had a contrary and negative effect. To manage this research, it aims to analyze and examine their resources, thus implementing strategies for each of the resources that this type of organization belonging to the EPS has, by determining the factors that lead to this bad driving. This study is qualitative, where a survey of a sample of about 47 cooperatives is used, with 3 interviews for experts on this problem. Determining that between the periods prior to the current situation investigated, it has been favored by the needs that people have, which will maintain a high demand for services, improving financial behavior, showing the ignorance or lack of interest as well in acquiring technological factors, as the main resource.