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Modelo de apoyo gerencial integral para el fortalecimiento de organizaciones miembros de la red de instituciones financieras de desarrollo, segmentos 4 y 5.

Abstract:

The Savings and Credit Cooperatives are part of the Financial Sector of the Popular and Solidarity Economy, they perform the provision of financial and non-financial services to partners and clients who participate in this type of organization from an associative and egalitarian scope, their institutional objectives of their work is mainly tied to providing development and growth of the community or territory where they have coverage. This premise shows the importance of carrying out joint strengthening efforts aimed at cooperatives and that in turn benefit in the quality of the service they provide to their members, thus it can also be inferred that there is a greater weakness in this sector in institutions called small and classified by the controlling entity within segments 4 and 5, which have the characteristic that their assets are less than 5 million dollars and therefore their resources and their access to further strengthening are more limited. In the search for solutions and contributions to this reality, and with inputs from the work carried out by the Network Red de Instituciones Financieras de Desarrollo (RFD), with a vision of contributing in a relevant way to financial inclusion in the country; this research is proposed that aims to build a methodological proposal through a comprehensive managerial support model that serves as a practical guide for this type of organizations, which allows them to identify the shortcomings in standards and controls, evaluate the most critical points by which are going through and propose good practices and / or strategies to direct their strengthening and management. For the information gathering, documentary research of the existing models was carried out, interviews were conducted with managers of cooperatives of these segments, the head of operations of the RFD and directed surveys; these research techniques were applied to know contributions and to grant validity of the model that was built. Likewise, and under what is described in the current regulations, inputs for monitoring the Network and supervision of the Superintendency, it was possible to adjust the evaluation criteria defined as Cooperative Government, Financial Economic Evaluation, Regulatory Application - Risks and Inclusion and Social Responsibility, which they are part of the comprehensive managerial support model with their respective dimensions and descriptions with weights and results for each one. Finally, phases of the implementation and monitoring of its application were defined.