Sustainable Management of Community Savings Banks and Its Relationship with the Principles of Solidarity Finance in the Rural Area of Pichincha, Ecuador

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Pablo Dávila Pinto

Résumé

The purpose of this research was to analyze the principles of social and solidarity economy practiced in the community banks in the rural sector of the province of Pichincha, Ecuador. These small organizations promote microcredits for local, social and economic development, becoming a different alternative to the traditional banking system. The research method was descriptive, non-experimental and field research. The population analyzed was 220 community funds, the size of the representative sample was 49 community organizations that practice solidarity finance. The data collection technique was the application of online Likert scale questionnaires whose validity was judged by experts, and the reliability of the instrument obtained 0.95 under the Cronbach's alpha method. The results obtained highlight that in these organizations prevail the following: associativity, self-management, autonomy and organization; however, autonomy and solidarity have a negative valuation, which indicates that the activities should be rethought to achieve a greater scope in the financial product so that they are sustainable and expanded with more benefits that promulgate the financial activity and promote structures with rural community networks that consider the principle of autonomy and solidarity as a means to comply with the solidarity economic policy.

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