La regulación de tasas y su efecto en la evolución de la profundización bancaria y en la rentabilidad de la Cooperativa Jardín Azuayo Ltda., periodo del 2002 a 2015

Abstract

The objective of this research is to analyze the effect of the regulation of interest rates on the financial deepening and profitability of the "Jardín Azuayo Ltda." Savings and Credit Cooperative in the period from 2002 to 2015, the research it was carried out through different investigative methods such as inductive, deductive and analytical which allowed analyzing the evolution of the national financial system, the work focuses on the Savings and Credit Cooperative; Investigating the deposits and placements made in the period under analysis, we proceeded to identify the density and financial deepening that the Cooperative has had at the local and regional level; At work, a study is made of the 100 largest depositors in the established period. From the results of the investigation it is determined that the Savings and Credit Cooperative Jardin Azuayo Ltda., Once the analysis of the indicators of financial profitability is affected by this regulation that regulates the interest rates for which it is recommended to take measures to improve profitability.