Impacto socioeconómico del proceso de liquidación de la cooperativa de ahorro y crédito en Guayaquil
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2016-11-10
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Universidad de Guayaquil Facultad de Ciencias Económicas
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El mal manejo de las cooperativas de ahorro y crédito es provocado por su propia naturaleza, es decir, la asociación voluntaria y común, en donde la confianza se manifiesta como el requisito común para obtener financiamiento y otorgar recursos a la vista, esta confianza provoca manejos negligentes que conllevan al cierre de estas entidades financieras de forma forzosa, cuando lo resuelve el órgano de control o de forma voluntaria cuando los propios socios son conscientes de las deficiencias de la organización y deciden extinguirla. Pero este proceso de extinción conlleva una serie de eventos que resultan ser perjudiciales para los ahorristas o socios e incluso para los propios funcionarios de la Superintendencia, el presente estudio tiene como objetivo conocer el impacto socio económico que la liquidación forzosa de una cooperativa de ahorro y crédito genera sobre socios, directivos y órgano de control, para lo que se utilizará metodologías de investigación científica, a través de la cual y del uso de herramientas como las encuestas y la observación científica, se ha comprobado el impacto de estos procesos de liquidación forzosa. Los resultados obtenidos en el presente trabajo, confirman que existen debilidades que perjudican a los socios y liberan en muchos casos de responsabilidad a los directivos y responsables de los malos manejos administrativos y financieros de este tipo de organizaciones, a través del presente trabajo se propone un plan de acción que permite ejercer las actividades de cierre de manera eficiente y sin perjuicio a los involucrados.
Mismanagement of the credit union is caused by nature, voluntary and common association, where trust is manifested as common for funding and grant resources in sight requirement, this trust causes handling neglectful involving the closure of these financial institutions forcibly when solves the control body or voluntarily when the partners themselves are aware of the shortcomings of the organization and decide to extinguish. But this extinction process involves a series of events that turn out to be harmful for savers or partners and even officials of the Superintendency own, this study aims to determine the socio-economic impact that the forced liquidation of a union credit generated about partners, managers and supervisory body for what scientific research methodologies will be used, through which and the use of tools such as surveys and scientific observation, it was found the impact of these processes of forced liquidation . The results obtained in this study confirm that there are weaknesses that hurt the partners and release in many cases responsibility to managers and responsible for the bad administrative and financial dealings of such organizations, through the present paper proposes a action plan that allows exercise closure activities efficiently and without prejudice to those involved.
Mismanagement of the credit union is caused by nature, voluntary and common association, where trust is manifested as common for funding and grant resources in sight requirement, this trust causes handling neglectful involving the closure of these financial institutions forcibly when solves the control body or voluntarily when the partners themselves are aware of the shortcomings of the organization and decide to extinguish. But this extinction process involves a series of events that turn out to be harmful for savers or partners and even officials of the Superintendency own, this study aims to determine the socio-economic impact that the forced liquidation of a union credit generated about partners, managers and supervisory body for what scientific research methodologies will be used, through which and the use of tools such as surveys and scientific observation, it was found the impact of these processes of forced liquidation . The results obtained in this study confirm that there are weaknesses that hurt the partners and release in many cases responsibility to managers and responsible for the bad administrative and financial dealings of such organizations, through the present paper proposes a action plan that allows exercise closure activities efficiently and without prejudice to those involved.
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COOPERATIVAS, AHORRO, CRÉDITO, ECONOMÍA