Propuesta metodológica para prevenir fraude en la colocación de créditos de cooperativas de ahorro en la provincia de Santa Elena.

Abstract

In the present research it can be understood that savings and credit cooperatives were created to help the poor class and day laborers by becoming partners or clients because they started micro-businesses, street vendors, small producers, artisans or farmers in which due to lack of guarantee in their credit history could not acquire credits in financial institutions. Once the basic concepts of this methodology have been understood and studied, we will be able to inform ourselves about the prevention of fraud in the placement of credits in savings cooperatives in the Province of Santa Elena, and its evolution of the cooperative system, establish control bodies, credit policies and implementation of methodologies as a means of preventing and reducing fraud rates. Finally, a prospective observational study was developed, a descriptive conclusive research type, using primary and secondary sources under a mixed approach, so we will see the intervention of experts at the time of conducting interviews and with the credit personnel when the surveys of different savings and credit cooperatives in the province of Santa Elena.