Estrategias financieras para la colocación de créditos de las Cooperativas de Ahorro y Crédito del Segmento 1

Savings and Credit Cooperatives are currently one of the main sources of financing for the population, whose growth is attributed to the development of strategies aimed at meeting the needs of their members, especially those who have difficulty accessing the banking financial system. In this sense, the objective of this research was to analyze the financial strategies applied by the Savings and Credit Cooperatives of segment 1 of Portoviejo for credit placement during 2020 and 2021. The methodology was based on a qualitative type of research, based on descriptive and bibliographic methods, the technique applied was an interview with the managers of both entities, as well as a documentary analysis of the placement reports published in the Superintendence of Popular and Solidarity Economy. Two cooperatives with greater representativeness in the canton were considered as a sample: 15 de Abril Ltda. and Comercio Ltda. The main results show that a comparison between the years under analysis shows an increase in loans made by the 15 de Abril cooperative of 1.66% and 0.33% in the Comercio cooperative in relation to its total portfolio. Therefore, it is concluded that the strategies applied have allowed them to develop products in line with the needs of the population, which has a positive impact on the placement levels reached in 2020 and 2021. Keywords: Credit, financial intermediation, cooperatives.Las cooperativas de Ahorro y Crédito en la actualidad constituyen una de las principales fuentes de financiamiento de la población, cuyo crecimiento se atribuye a al desarrollo de estrategias que se direccionan a la satisfacción de las necesidades de sus socios, especialmente de aquellos que presentan dificultades para acceder al sistema financiero bancario. En este sentido, el objetivo de la presente investigación consistió en analizar las estrategias financieras aplicadas por las Cooperativa de Ahorro y Crédito del segmento 1 de Portoviejo para la colocación de créditos durante el año 2020 y 2021. La metodología se basó en una investigación de tipo cualitativa, fundamentada por el métodos descriptivo y bibliográfico, la técnica aplica fue una entrevista a los gerentes de ambas entidades, así como un análisis documental de los informes de colocaciones publicados en la Superintendencia de Economía Popular y Solidaria. Se consideró como muestra 2 cooperativas con mayor representatividad en el cantón: 15 de Abril Ltda. y Comercio Ltda. Los principales resultados muestran que al establecer una comparación entre los años objeto de análisis se evidencia un aumento en las colocaciones efectuadas por la cooperativa 15 de Abril del 1.66% y del 0.33% en la Cooperativa Comercio en relación a su cartera total. Por lo tanto, se concluye que las estrategias aplicadas les han permitido desarrollar productos acordes a las necesidades de la población, lo que incide de manera positiva en los niveles de colocación alcanzado en los años 2020 y 2021. Palabras claves: Créditos, intermediación financiera, Cooperativismo. ABSTRACT Savings and Credit Cooperatives are currently one of the main sources of financing for the population, whose growth is attributed to the development of strategies aimed at meeting the needs of their members, especially those who have difficulty accessing the banking financial system. In this sense, the objective of this research was to analyze the financial strategies applied by the Savings and Credit Cooperatives of segment 1 of Portoviejo for credit placement during 2020 and 2021. The methodology was based on a qualitative type of research, based on descriptive and bibliographic methods, the technique applied was an interview with the managers of both entities, as well as a documentary analysis of the placement reports published in the Superintendence of Popular and Solidarity Economy. Two cooperatives with greater representativeness in the canton were considered as a sample: 15 de Abril Ltda. and Comercio Ltda. The main results show that a comparison between the years under analysis shows an increase in loans made by the 15 de Abril cooperative of 1.66% and 0.33% in the Comercio cooperative in relation to its total portfolio. Therefore, it is concluded that the strategies applied have allowed them to develop products in line with the needs of the population, which has a positive impact on the placement levels reached in 2020 and 2021. Keywords: Credit, financial intermediation, cooperatives. Información del manuscrito:Fecha de recepción: 23 de junio de 2022.Fecha de aceptación: 28 de septiembre de 2022.Fecha de publicación: 20 de octubre de 2022