El desempeño financiero y la sostenibilidad de las Cooperativas de Ahorro y Crédito de los Segmentos 3 y 4 en la provincia de Tungurahua

Abstract

The development of this research project are the credit union segments 3 and 4 of the province of Tungurahua, which perform financial intermediation. It is important to note that although cooperatives by their nature are governed by a social ethic, must also respond by an institutional administrative, economic and financial efficiency, which guarantees sustainability in the long term, which often overpowers the duties of solidarity which in theory should be privileged. Given its importance, it aims to design and implement strategies to control the disorganization of the administrative and financial activities in the credit union segments 3 and 4 of the province of Tungurahua with financial activity, implementing strategies to control the administrative and financial activities , in order to develop a more reliable assessment of the future and get better results in the administrative and financial operations and provide better service in the long term and provide more benefits to its partners and customers who deposited their money in unions and credit, thus provide security and ensure sustainability over time. Therefore, the overall objective proposed is to contribute to the institutional strengthening of the credit union with financial activity by designing strategies to control the disorganization of the administrative and financial activities of the financial administrative, economic performance unions credit segments 3 and 4 financial intermediation activity that allows them to operate in accordance with criteria of efficiency and sustainability over time.