Los servicios financieros y su incidencia en la rentabilidad de la Cooperativa de Ahorro y Crédito, Hermes Gaibor” Ltda provincia Cotopaxi, cantón Pangua, parroquia Moraspungo, 2018

This Research Project aims to carry out a coherent analysis of financial services and establish its impact on the profitability of the Savings and Credit Cooperative "Hermes Gaibor" Ltda. Cotopaxi Province, Pangua Canton, Moraspungo Parish, 2018. which was a direct observation of the cooperative and proceeded to request information regarding the financial services provided by the institution to its members, from this was found the problem called How financial services affect the profitability of the Cooperative of Savings and Credit "Hermes Gaibor" Ltda., Cotopaxi Province, Pangua County, Moraspungo Parish, 2018? In order to correct the problem before mentioned is intended as a general objective: Analyze financial services and their impact for the measurement of profitability in the Cooperative of Savings and Credit "Hermes Gaibor" Ltda., Cotopaxi Province, Pangua Canton, Moraspungo Parish , 2018, starting from a diagnosis of the financial services currently provided by the cooperative, and on the other hand knowing what is the contribution that these financial services provide to the overall profitability of the cooperative, to finally design a proposal for improvement of the financial services to improve the cooperative's profitability The research project is considered descriptive and correlational level, because it seeks to give a clear description of the problems that arise in the cooperative and also seeks to establish the relationships between the variables that are part of the project, on the other hand, the methods used were inductive and deductive, in addition to this theoretical support was given with information consulted from different bibliographical sources, in the same way information was obtained from the partners and from the General Manager of the Savings and Credit Cooperative "Hermes Gaibor" Ltda., the same that led to know the current situation of the cooperative around financial services, as well as the satisfaction of the partners. In order to know the contribution of financial services in relation to the general profitability of the cooperative, each loan service was analyzed, obtaining as a result that: The Credit Portfolio for the Microenterprise is the credit service that contributes in a more significant way. with a representativeness of 87.75%, followed by the Real Estate Loan Portfolio with 6.34%, thirdly the Unproductive Loan Portfolio with 4% and finally the Priority Consumption Portfolio with 0.07%, no It is necessary to leave aside that the item of Other Services of the payment commissions of Ágil and Facilito Payment has a representativeness of 2%. In the same way, it was obtained that the delinquency with which the Cooperativa de Ahorro y Crédito "Hermes Gaibor" Ltda. has, was 5.94% of the total of the Gross Loan Portfolio in fiscal year 2017, percentage that remains within the acceptable ranges established by the (Superintendency of Popular and Solidarity Economy, 2016), which establishes that the rank must not exceed 10% of the gross credit portfolio. Finally, a plan was drawn up to improve the financial services for the growth of the Profitability of the Savings and Credit Cooperative "Hermes Gaibor" Ltda. with adequate strategies for the massive acceptance by the partners in terms of credit services

• প্রধান লেখক: Yépez Paño, Doris Maribel (author)
• অন্যান্য লেখক: Ledesma López, Jennyffer Paola (author)
• বিন্যাস: bachelorThesis
• ভাষা: spa
• প্রকাশিত: 2018
• বিষয়গুলি: CONTABILIDAD; SERVICIOS FINANCIEROS; RENTABILIDAD; COOPERATIVA DE AHORRO Y CRÉDITO HERMES GAIBOR LTDA; PROVINCIA COTOPAXI; CANTÓN PANGUA; PARROQUIA MORASPUNGO
• অনলাইন ব্যবহার করুন: http://dspace.ueb.edu.ec/handle/123456789/2812