Propuesta de un modelo alternativo para la gestión financiera en las Cooperativas de Ahorro y Crédito del Ecuador

Abstract

The development of an alternative model for Financial Management in Savings and Credit cooperatives of Ecuador will allow us to clarify the primary objective of every financial institution: the generation of income, the efficiency and effectiveness of its operations. Being of vital importance the acquisition, investment and administration with which they manage these resources to achieve the obtaining of profits, the determining basis of this process is in the decision making. The models PERLAS, CAMEL and EVA have been used to provide consistent and sustainable information on the development of Financial Management in the Savings and Credit Cooperatives of Ecuador.