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ECUADOR’S SAVINGS AND CREDIT COOPERATIVES AND THE NEED FOR A STUDY OF CONTRIBUTION CERTIFICATES

Abstract:

The savings and cbkp_redit cooperatives that are currently in the country undoubtedly provide people with an opportunity to continue to grow or undertake something, all thanks to the cbkp_redits that they provide, therefore it is important to initiate an exploratory study of the motivations that are clearly immersed in behavioral finance. For this reason, the methodology applied to the present research work, are the methods called theoretical level, however it is necessary to clarify that the techniques are documentary and surveys that have been applied to the cooperatives at national level by the control institutions, whose information has been analyzed with a descriptive scope and whose results are of two types where the first is descriptive type through which statistical information of the savings and cbkp_redit cooperatives with their respective characteristics is presented and the second is inferential type allowing to explore the influence that can have a variable in the acquisition of contribution certificates.