Análisis económico - financiero a las cooperativas de ahorro y crédito en la zona 7 del Ecuador, periodo 2013

Abstract

Abstract: This research aims to make a financial and economic at credit unions segment 4 of the provinces of Loja and El Oro for the period 2013 diagnosis is basically took public information in its financial statements by the Superintendency bases Popular and Solidarity Economy (SEPS), to perform this analysis the system of financial monitoring and management PEARLS, the same that aims to determine the causes and effects of economic and financial problems that originate within cooperatives was applied. By applying the system to members it provides a tool alert to help them improve decision- making, thus promoting the management, supervision and control of such institutions, then carried out a ranking to determine the critical areas that are should improve and that require immediate intervention by their managers also can build reports statistics and trends pointing to where the cooperative system.