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 JEP, del 2002 al 2015

Abstract

The purpose of this title work is to determine if the state regulation imposed in 2008 on interest rates (active and passive) has had some impact on the financial depth and profitability of the Cooperativa de Ahorro y Crédito Juventud Ecuatoriana Progresista JEP between the years 2002 and 2015. In order to reach the proposed objectives, we calculated the financial deepening indexes and obtained the profitability results of the institution, which were collated through a correlation analysis with the values of the offered interest rates by the Central Bank of Ecuador; these correlations were made in pre and post state regulation years to evaluate the impact of the regulations, it was not possible to verify that these norms have any significant effect since the results in the years after the regulation of rates show very weak correlative values; with which it can not be said that such regulation has a positive or negative effect on both the financial deepening indexes and the profitability of the JEP cooperative.