Las cooperativas de ahorro y crédito y la reparación a los inversionistas de plazo fijo

Abstract

This research work addresses the issue of Savings and Credit Cooperatives and reparation to fixed-term investors, for highlighting the social legal problem in the forced liquidation of the period 2010 to 2018, consequently this affects the rights of four hundred and thirty and seven thousand seven hundred five (436,705) investors, creditors and partners, and economic losses of forty-six million six hundred seventy-one thousand five hundred twenty-seven dollars (46'671,527.00). It was necessary to carry out this type of study with the Cooperatives in force to safeguard the rights of the members. To determine reparation to fixed-term investors, the research was developed through the quantitative, qualitative, exploratory, descriptive, bibliographic and field documentary methodology, with which it is determined that the reparation they have is not typified in any law. For fixed-term investors, there is no procedure for the settlement of fixed-term deposits in Cooperatives. The benefits that institutions give to fixed-term investors are; access to COSEDE insurance, percentage interests, gifts and recognitions at the Cooperative's events. With the analysis of the certificate of fixed-term deposit and interviews, the rights violated by the Savings and Credit Cooperatives were established.