El derecho a la vivienda frente a la gestión de cobranza en las Cooperativas de Ahorro y Crédito en el Ecuador, con relación a las regulaciones de la junta de Política y Regulación Monetaria y Financiera.

Ecuador recognizes the right to adequate housing, within its rights for adequate and dignified standard of living. This right is linked to the national financial system and within this the savings and credit cooperatives. These organizations when carrying out financial intermediation activities are regulated by the State through Monetary and Financial Policy Regulation Board. The regulations on interest rates and collection management for housing loans tend to change the sense of the right to adequate housing, conceiving it as a simple financial asset, through which it is only possible to obtain profits and increase the capital of financial institutions. This fact leads savings and credit cooperatives to neglect the needs and rights of their members, becoming only in lucrative financial entities. For this reason, is important that the State through its agents establish precise and specific policies and regulations for savings and credit cooperatives, around their social and solidarity essence. Through policies and regulations that link housing with the cooperative sector. In addition, it must be articulated around a single subject, the human being and their well-being, above the selfish benefit of capital and the market.

• Main Author: Peña Dávila, María Belén (author)
• Format: article
• Published: 2020
• Subjects: Vivienda; Derecho; Financiación
• Online Access: http://repositorio.iaen.edu.ec/handle/24000/6163