ANÁLISIS COMPARATIVO DE LOS COSTOS DE OPERACIÓN DE LOS SERVICIOS QUE BRINDAN LAS COOPERATIVAS DE AHORRO Y CRÉDITO DEL CANTÓN PORTOVIEJO, Y SU REPERCUSIÓN EN LA ECONOMÍA DE SUS SOCIOS Y CLIENTES, (CASO ESPECIFICO COOPERATIVA “15 DE ABRIL LTDA.” Y COOPERATIVA “COMERCIO LTDA.”), PERIODO 2003-2005

Abstract

The costs of services that perceive the financial institutions are at the present time a little high, this is determined according to the Institution and many times they are not regulated in form adapted by the Superintendence of Banks and it is for it that some institutions get paid more than other and it should not be since all they should be this way standard for the clients' benefits. In the first part we carry out a brief explanation of our project where we determine the antecedents, the justification, the problem and the objectives of our grade thesis. In the second part we carry out a total description of the comparative analysis of the costs of operation of the services that you/they offer the saving cooperatives and credit of the canton Portoviejo, and their repercussion in the economy of their partners and clients, (I marry I specify Cooperative "April 15 Ltda.. " and Cooperative "I Trade Ltda.. ") and the theoretical bases that served like base to be been worth in appealing of our investigation. We also detail the concepts of the technical words used in this part. In the Third part we develop in methodological design in which we describe the investigation techniques that we use as well as people to which we carry out them the surveys and interviews for then to be tabulated and graficadas in statistical squares. In the fourth part we carry out the representation of the results that we made it by means of charts he/she stops then to carry out the respective analysis where we exposed the reality of our investigation. To conclude our investigation work we give to know our conclusions and of each one of them allows ourselves to give the recommendations.