Evaluación e impacto socioeconómico de los servicios financieros y no financieros que oferta la Cooperativa de Ahorro y Crédito Acción y Desarrollo Ltda. de la ciudad de Riobamba, provincia de Chimborazo, año 2010 y propuestas de mejoramiento

Abstract

The following research work is based on the socio-economic evaluation and impact of financial and nonfinancial service in “Acción y Desarrollo Saving and Credit Cooperative from Riobamba, Chimborazo province during 2010, and Improvement Proposals” which determine the members´quality of life when accessing to portfolio services offered by the Cooperative, with the purpose of giving the administration an improvement proposal and information about the present conditions of the members´ quality of life for the decision making, generating in this way improvement alternatives for being implemented by the management department. Historical data from the financial institution, social and financial information as well as internal regulations have been used, by taking into account the economic reality of the country and the different external factors which interact in the financial institution regular operations. Its development is done through a reporting framework containing data for the variables which measure the quality of life of its members; the financial and nonfinancial impact, evaluation and satisfaction, using as source previous information allowed the accomplishment of the improvement proposal for the portfolio services of the cooperative. Proposal which was under analysis of the administration of the institution, establishing all the financial and management requirements that allow the execution of the above mentioned proposal. It is important to consider as objectives and goals the obtained data, everything will depend on its execution and fulfillment to reach what is proposed. Its application will value the management capacity and the manager´s efficiency.