La cultura del ahorro y la generación de nuevas actividades productivas en los socios de la primera Cooperativa de Ahorro y Crédito perteneciente al Segmento Uno de la ciudad de Ambato, provincia de Tungurahua

Abstract

The research raised aims to generate new productive activities to the culture of savings to the partners in the OSCUS Cooperative, which belongs as the first institution in the segment one of Ambato city, Tungurahua Province during the years 2013-2015. The philosophical foundation of this work to establish the causes of a culture of saving limited in the OSCUS Cooperative´s partners, stablishing the microcredit as a strategy to achieve a strengthening in the aforementioned culture and thereby obtain an impact on new alternative productive or strengthening of existing ones. The legal foundation is based on current regulations established by the Superintendencia de Economía Popular y Solidaria and the OSCUS Cooperative´s legal base. Within the scientific substantiation - Theoretical conceptualization of the fundamental categories of both the dependent variable shown, this is the productive activities, productive growth and purchasing power; with respect to the independent variable savings culture, microcredit and funding is conceptualized. Each of these subordinates have been properly conceptually. It was established to consider microcredit as a savings culture strategy to contribute to the generation of new productive activities in the OSCUS Cooperative´s partners. The research methodology was applied literature, exploratory, descriptive and correlational study population were 98 partners. Among the key findings of microcredit growth of 21% is recorded; They are considered microcredits for activities such as bakery and pork; The distribution of the amounts awarded by activity, trade stands and the craft industry, services and agriculture; the highest award of the loans has fallen since the first half of the year; and the type of microcredit most accessed by members of the cooperative is " simple accumulation ", with 44 %; followed by " enterprise micro - enterprise" With the applied survey it was found that there are serious limitations by partners regarding the culture of saving, as is the lack of savings strategies paying debts being the primary concern of those who have access to microcredit.