La regulación de las tasas y su efecto en la evolución de la profundización bancaria y la rentabilidad de la cooperativa de ahorro y crédito Manuel Esteban Godoy COOPMEGO, en Ecuador periodo del 2002 a 2015

Abstract

This paper aims to demonstrate the effect of the interest rate regulation on the evolution of bank depth and the profitability of the Manuel Esteban Godoy "COOPMEGO" Savings and Credit Cooperative in Ecuador from 2002 to 2015.

The financial system charges or pays a value for the type of service it provides, at this value is known as interest rate, these rates depend many things, the financial system may be affected, since depending on how high or Low rates, will be the result of the amount demand for financial services.

The regularization of the interest rates caused some changes in the deepening by placements and in the ROE of the cooperative Coopmego. As the active rate decreased, after the regularization, the deepening by placements increased, while the ROE decreased; before the regularization in both cases the opposite happened. The other variables did not present differences, the regularization of the rates did not influence them to change.