La regulación de tasas y su efecto en la evolución de la profundización bancaria y en la rentabilidad de la cooperativa de ahorro y crédito CACPECO, en Ecuador periodo del 2002 a 2015.

Abstract

This research to determine the effect of the regulation of interest in deepening financial and profitability of the financial institutions in the Ecuador. Through the study of the economic and legal context of the Ecuadorean banking system.

Therefore, is the study of history, financial situation, density and financial deepening, indicators of recruitment and placement, profitability, correlation, and interest rates of cooperative savings and credit "CACPECO" period 2002-2015.

Are based on the assumption that the regulation of interest rates affect the profitability and financial deepening, After the analysis of the above-mentioned data are determined that before the regulation of financial deepening interest rates profitability experienced abrupt changes, no transcendental to the cooperative and after the regulation affect, these changes became moderate tendency to increase. In the year 2015 due to the lifting of interest rates changes in PIB and the oil sector, the financial institution decreased their catchments, placements and profitability without reaching the point of threatening its continuity.