Parámetros prudenciales de liquidez inmediata y estructural de las Cooperativas De Ahorro y Crédito Once De Junio y Santa Rosa.

Abstract

During the last two decades Ecuadorian financial institutions have suffered from serious episodes linked to the lack of liquidity, a situation that has compromised and has put at risk the economic stability of the country and therefore its development, among these the banking crisis of the year is remembered. 1999, systemic eventuality that lapidated the sucre and inevitably led to the adoption of dollarization; consequently, and in order to avoid the repetition of future events of similar magnitude, the Monetary and Financial Organic Code was created, which entered into force on September 12, 2014, with the purpose of regulating and protecting the monetary and financial system of the State, as well as taking care of the due sustainability of the securities and insurance regime among others; for the citizen benefit. The present investigative work is developed under a quantitative-qualitative approach; whose main objective will be to apply the prudential parameters of Immediate and Structural Liquidity on the liquidity funds of the credit cooperative Eleven de Junio and Santa Rosa, private financial institutions, belonging to the city of Machala, province of El Oro; in adherence to article 189 of the COMYF; the applied methods correspond to the Descriptive Method, and Inductive-Deductive, in conclusion the information obtained from the prudential criteria will be collated in order to determine the financial health on the liquidity indices of the pre-empted entities.