Créditos que otorga la cooperativa de ahorro y crédito “Por el pan y el agua” del cantón Jipijapa como factor de desarrollo y estabilidad productiva a los socios, Período 2003 – 2006.

Abstract

The investigation work carried out in the Cooperative of Saving and Credit "For The Bread and The Water" in the canton Jipijapa, demonstrates that this financial entity if it participates in the process of its partners' development economic partner, because it allows to solve economic problems in its business, purchase of goods for the home and of financing merchandises; among other aspects that impact in their productive stability.

The results exposed in squares and graphics, synthesized in their analysis describe the reality participative of the credits in the economic environment of the canton Jipijapa, the same one that is integral part of the productive and economic support of the country.

The administrative structure and of organization, for the operative administration of qualification, he/she gives credit according to the internal politicians of the cooperative, the control of entities of the financial system, is the product of reaching the efficiency and effectiveness of the good service. In these considerations the analysis proposal and description of the thematic one demonstrates that this cooperative if it grants a good socioeconomic participation process to the partners, the same one that improves all the productive sectors of the canton. The reflective applied methodology that the investigation that is formulated in hypothetical form and sustained by the objection described as elements sustentatorio of the investigative process. The development of the thematic one is described of an introductory part that facilitates the interpretation of the contribution and intention of the investigation detailing the antecedents and justification like the same purpose of the study.

The second part constitutes the body of the exposed investigation work in a mark referencial and theoretical as sustenance characteristic of the process of grant of the credit for the cooperative and its theoretical reaches of benefits according to that expressed in the Law of Cooperative and Laws of Financial Control of the Ecuador.

The search of information, writing, sustains technical first floor and norms of the leaning scientific investigation of the statistical science, the same one that facilitates its interpretation of the obtained results of primary and secondary sources. The analysis of the obtained data is synthesized in objective form to the reality of the outlined study.

Inside the mark description sustentatorio and analysis, the conclusions and recommendations settle down, fruit of the process of investigation propositiva carried out in the environment of proposing alternative of solution and problems that they impact in the process of development of the canton and of the economic stability of the partners of the cooperative a feasible proposal settles down of being applied by the Directive of the Financial Entity.