Análisis y caracterización de los programas e iniciativas para la educación financiera implementados por las Cooperativas de Ahorro y Crédito que conforman la Uprocach, año 2023

Abstract

The present degree work focused on how cooperatives develop financial education programmes and initiatives, therefore, the objective of the research is to analyse and characterise the financial education programmes and initiatives implemented by the savings and credit cooperatives that make up UPROCACH, year 2023. The methodology used was a mixed approach, with a descriptive non-experimental design, as we sought to understand the characteristics of the cooperatives' programmes, the population of this study were the cooperatives that are part of the provincial union of savings and credit cooperatives of Chimborazo and the different participants, whether members, clients or the general public of the training sessions, It was necessary to carry out documentary and field research in order to obtain receptive information by means of instruments or tools that were mostly used, such as interviews with the authorities of the different entities that help in the development of education, and surveys applied to people from different sectors of the economy. By means of this methodology, it was possible to characterise the financial education programmes and initiatives, finding notable differences in the cooperatives, from segment 1 to 3, which carry them out in an obligatory manner, and those in segment 4 and 5, which have great limitations when developing these training programmes. In this sense, it is concluded that cooperatives, depending on the segment they are in, have certain limitations in the development of financial education training, and therefore strategies are proposed to improve programmes and initiatives and a guide for the development of programmes so that any cooperative can adopt them according to its needs.