Cooperativas de Ahorro y Crédito e Inclusión Financiera

Translated title of the contribution: Savings and Credit Cooperatives and Financial Inclusion

Yoandris Sierra Lara, Marco Antonio Alonzo Villacis, Michelle Alexandra Cajas Beltrán

Research output: Contribution to journalArticle


The article aimed to characterize the situation of financial inclusion in the rural sector of the Guayaquil canton, as well as the role of savings and credit cooperatives in this process. The hypothetical-deductive methods were applied, as well as the documentary review and analysis, the survey and the interview. The study was carried out in the rural parishes of Posorja, Puná, Tenguel and Morro in Guayaquil, Ecuador, where a total of 27,017 people over 18 years of age reside. It was obtained that savings and credit cooperatives have greater relevance in places where rurality and poverty are greater and that people in rural areas maintain a regular perception of the development of formal financial entities, since they are distrustful and dissatisfied with the way these establishments operate. Levels of financial inclusion are insufficient, while savings and credit cooperatives can contribute to improving this situation.
Translated title of the contributionSavings and Credit Cooperatives and Financial Inclusion
Original languageSpanish (Ecuador)
Pages (from-to)1-26
Number of pages26
JournalCooperativismo y Desarrollo (COODES)
Issue number12
StatePublished - 2 Apr 2024


  • Financial inclusion
  • Savings and credit cooperatives
  • Rural sector

CACES Knowledge Areas

  • 113A Economics

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