Diseño de un modelo administrativo y financiero para la creación de cajas de ahorro y crédito comunitarias

Abstract

This paper focuses on the elaboration of a guide of administrative and financial procedures and processes to implement a project of community cases of credit, based on the proper use of the existing legal framework and the support of basic management tools that may be helpful for this type of organizations, and that they are very easy to use. The work began with a situational analysis, based on surveys to partners and non-partners of the CAC's and responsible for savings banks and credit in the canton Suscal, province of Canar, interviews with community leaders, technicians of institutions working in support to development projects in the provinces of Azuay and Cañar and own personal experience in the matter. With the support of legislation and financial administrative apparatus acquired during the race was structured a document that aims to help guide new undertakings and certain evidence that the incorporation of technical criteria can help to give sustainability to community credit unions, efforts to improve the standard of living of large population groups previously excluded from the formal financial system. We performed this work through direct observation of reality on hand, more than talks with people who know the subject, polls, interviews with leaders and some cases of credit users, research on the internet. The results we got were important and very useful for us to make the wording of this thesis.