Las cooperativas de ahorro y crédito y la superintendencia de economía polular y solidaria ventajas y desventajas como ente regulador de los requisitos para las operaciones de crédito en Guayaquil 2014-2016
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2018-09-03
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Universidad de Guayaquil. Facultad de Ciencias Económicas
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Este trabajo de investigación tiene como finalidad realizar un análisis de las ventajas y desventajas que han tenido las Cooperativas de Ahorro y Créditos que operan en el cantón Guayaquil durante los periodos 2014-2016, destacando los volúmenes de crédito colocados por las mismas, considerando que Guayaquil es una de las ciudades con mayor actividad económica debido a que aquí se encuentran las principales COAC, Bancos, empresas e industrias que han contribuido para que mejore la calidad de vida de sus pobladores, además que la ciudad es considerada la más poblada del país debido a la migración interna que se ha originado al pasar de los años, desde diversos cantones y provincias, destacándose las Provincias de Esmeraldas y Manabí. El cantón cuenta con Cooperativas de Ahorro y crédito que se han enfocado en colocar créditos en sectores urbano marginales, y es este entre otros factores un punto débil que impide la pronta recuperación de la cartera vencida o créditos en mora. Los créditos se otorgan a clientes que presentan ingresos de diversas índoles como son micros-emprendimientos, informalidad laboral, negocios informales en barrios con deficiencia de servicios básicos, desigualdad y altos índices de inseguridad este último desfavorece como se recalca la recuperación oportuna del crédito ante una eventual caída en mora de la cartera. Para este trabajo de titulación en la investigación se usara metodología de descripción cualicuantitativa, ya que en la misma se involucra a la investigación cuantitativa y cualitativa a la vez.
The aim of this research is to analyze the advantages and disadvantages of the Savings and Loans Cooperatives that operate in Guayaquil during the periods 2014-2016, highlighting the credit volumes placed by them, considering that Guayaquil is one of the cities with more economic activity because here are the main COAC, banks, companies and industries that have contributed to improve the quality of life of its inhabitants, also that the city is considered the most populated in the country to the internal migration that has originated over the years, from different cantons and provinces, highlighting the Provinces of Esmeraldas and Manabi. The canton has Savings and Credit Cooperatives that have focused on placing credits in marginal urban sectors, and this is, among other factors, a weak point that prevents the early recovery of past due loans or delinquent loans. The loans are granted to clients that present income of various kinds such as micro-enterprises, informal labor, informal businesses in neighborhoods with basic services deficiency, inequality and high levels of insecurity, the latter being disadvantageous as the timely recovery of credit is emphasized. eventual default in the portfolio. For this qualification work in the research methodology qualitative quantitative description will be used, since it involves quantitative and qualitative research at the same time.
The aim of this research is to analyze the advantages and disadvantages of the Savings and Loans Cooperatives that operate in Guayaquil during the periods 2014-2016, highlighting the credit volumes placed by them, considering that Guayaquil is one of the cities with more economic activity because here are the main COAC, banks, companies and industries that have contributed to improve the quality of life of its inhabitants, also that the city is considered the most populated in the country to the internal migration that has originated over the years, from different cantons and provinces, highlighting the Provinces of Esmeraldas and Manabi. The canton has Savings and Credit Cooperatives that have focused on placing credits in marginal urban sectors, and this is, among other factors, a weak point that prevents the early recovery of past due loans or delinquent loans. The loans are granted to clients that present income of various kinds such as micro-enterprises, informal labor, informal businesses in neighborhoods with basic services deficiency, inequality and high levels of insecurity, the latter being disadvantageous as the timely recovery of credit is emphasized. eventual default in the portfolio. For this qualification work in the research methodology qualitative quantitative description will be used, since it involves quantitative and qualitative research at the same time.
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NOVACIÓN, COOPERATIVAS, REESTRUCTURACIÓN, VOLUMEN DE CRÉDITO