Diseño de un modelo de educación financiera para la cooperativa de ahorro y crédito Riobamba Ltda. en la provincia de Chimborazo

Abstract

The purpose of this research was to design a financial education model for the Cooperativa de Ahorro y Crédito Riobamba Ltda. that links vulnerable sectors of the province of Chimborazo to the financial system. For the development of the program, a diagnosis was made through surveys on Google Forms, two interviews with leaders of certain organizations, and the representatives of the COAC Riobamba Ltda. To establish the content of the program. Through the analysis carried out with the research instruments, it was found a high percentage of associates who ignore issues related to financial education. Because they do not have access to a current education or training and their decisions are based on experiences obtaining unwanted results. 78% of the target population has a similar income or lower than the minimum salary this is the reason why is necessary to an appropriate administration knowledge for future decision making. The proposal makes a financial education model that links both theoretical and practical aspects related to financial issues, which purpose is to provide the necessary support for their learning materials; concluding that the lack of investment alternatives and absence of savings programs in families of Chimborazo is due to the lack of financial knowledge education issues and the lack of support from public and private entities that do not contribute to the solution of this problem, the program applies to daily circumstances for the associates and the design of practical and evaluative workshops that will contribute to create a financial culture since it allows them to know about money management, the use of financial products and new investment alternatives. It is recommended to promote self-learning and continuous training in which they can link close people and family members who, due to different situations, cannot attend financial education programs.