Evaluación socio-económica de la participación de las cooperativas de ahorro y crédito en el Cantón Chillanes, Provincia de Bolívar.

Abstract

The objetive was to evaluate the socio-economic contribution of Cooperativas de Ahorro y Crédito in Chillanes canton of Bolívar province, to carry out the present research surveys on a sample of 198 inhabitants were applied, also an evaluation of the two financial institutions of the sector: San José Ltda. and Juan Pio de Mora was done. From this, it was determined that the first institution is the most representative for its recruitments and placements level, focusing the study on it. Through the analysis of the performance indicators of 2015, 2016 and 2017, it was found that it is a very solid institution and that the trust of its members is maintained, as result it shows that 70% of the loans granted are for the agricultural sector, also it is performing financial inclusion with one of the sectors, generally excluded from the formal financial system. It is concluded that the financial cooperativist system contributes significantly to the economic and social development through the loans granted and the social responsability activities applied. It is recommended that microfinance institutions carry out a continuous analysis of the offered products and services, to strengthen financial education programs and to promote their social management.