Implicaciones económicas en las cooperativas de ahorro y crédito de Quito - Ecuador, y cambios en la política de otorgamiento de créditos entre 2010 – 2015
Cooperatives are organizations that began with a system of joint efforts by small and medium-sized producers, suppliers of services with its philosophy to serve nonprofit. Currently many of these cooperatives have become financial institutions for savings and loans, open to the public in general,...
| Autor Principal: | Carrasco Cerón, Gabriel Alexander |
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| Idioma: | spa |
| Publicado: |
2017
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| Materias: | |
| Acceso en línea: |
http://dspace.ups.edu.ec/handle/123456789/14635 |
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| Sumario: |
Cooperatives are organizations that began with a system of joint efforts by small
and medium-sized producers, suppliers of services with its philosophy to serve nonprofit.
Currently many of these cooperatives have become financial institutions for
savings and loans, open to the public in general, which places them automatically in the
system of financial risk subject to banking regulations in the local financial sector and
International.
This article aims to investigate what were major changes suffered by
cooperatives in Quito, Ecuador, once came into force a new form of control by the State
bodies. The year 2010 to 2015, unions faced a major challenge that forced in some cases
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to be settled and in others to seek mergers to continue in a very competitive market,
which involves also the private banking, mutual benefit in large quantity savings banks.
The creation of the Superintendence of Popular economy and solidarity (SEPS)
generated significant changes in cooperatives, not only the change of entity's control, but
that there were regulations covering all areas of operation of cooperatives, forcing them
to take on new roles and be framed in laws that help to reduce these risks. |
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