La regulación de las tasas y su efecto en la evolución de la profundización bancaria y en la rentabilidad del subsistema de cooperativas en Loja, Ecuador: Caso de la Cooperativa de Ahorro y Crédito Padre Julián Lorente, del 2002 al 2015)

Abstract

Abstract: The objective of the present work was to carry out research and analysis on: The regulation of rates and their effect on the evolution of bank depth and the profitability of the cooperative subsystem in Loja, Ecuador: Case of the Cooperative Of Savings and Credit Father Julián Lorente during the period 2002-2015; For its development began with the compilation of historical and relevant information of the economic, social, financial and political situation of Ecuador; The antecedents of the aforementioned cooperative were also considered, the same ones that were structured by their history, financial situation and financial density; The financial deepening and the regulation of interest rates in Latin America and the Caribbean (deposits and placements) were subsequently studied, in order to finally analyze the effect of this deepening on the profitability of the cooperative studied and to be able to conclude with the consequences generated by the regularization of interest rates.