Alianza estratégica entre financieras fondeadoras y la Cooperativa de Ahorro y Crédito Chibuleo Ltda. para generar créditos MIPYMES.

Abstract

This thesis analyzes the feasibility and benefits of establishing a strategic alliance between international financial institutions and the Chibuleo Savings and Credit Cooperative Ltda., with the goal of expanding access to financing for micro, small, and medium-sized enterprises (MSMEs). The research is based on the need to strengthen financial inclusion in productive sectors that traditionally face limitations in accessing formal credit. Using a qualitative and quantitative approach, the study examines market conditions, the institutional capacity of the Chibuleo Cooperative, and the opportunities offered by funding agencies as strategic partners. The results show that such an alliance improves the cooperative's liquidity, diversifies its product portfolio, and more efficiently meets MSMEs' credit demand, generating positive impacts on the region's economic and social development. It concludes that inter-institutional cooperation constitutes a sustainable mechanism for enhancing MSME competitiveness and strengthening the popular and solidarity-based financial system in Ecuador.