{"id":47,"date":"2018-11-25T11:22:15","date_gmt":"2018-11-25T16:22:15","guid":{"rendered":"http:\/\/192.168.231.90\/bandesarrollo\/?page_id=47"},"modified":"2026-04-14T08:37:47","modified_gmt":"2026-04-14T13:37:47","slug":"nosotros","status":"publish","type":"page","link":"https:\/\/www.bancodesarrollo.fin.ec\/index.php\/nosotros\/","title":{"rendered":"Nosotros"},"content":{"rendered":"

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Nosotros<\/h1>\n

[\/et_pb_text][et_pb_image src=\u00bbhttps:\/\/www.bancodesarrollo.fin.ec\/wp-content\/uploads\/2025\/09\/banner_nosotros.jpg\u00bb align_tablet=\u00bbcenter\u00bb align_phone=\u00bb\u00bb align_last_edited=\u00bbon|desktop\u00bb _builder_version=\u00bb4.0.5″ custom_margin=\u00bb||-4px|||\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ make_equal=\u00bbon\u00bb use_custom_gutter=\u00bbon\u00bb gutter_width=\u00bb2″ next_background_color=\u00bb#005aa6″ bg_img_2=\u00bbhttp:\/\/192.168.231.90\/bandesarrollo\/wp-content\/uploads\/2019\/01\/business-05.jpg\u00bb admin_label=\u00bbMission\u00bb _builder_version=\u00bb3.22.7″ custom_padding=\u00bb2px|||||\u00bb bottom_divider_style=\u00bbslant\u00bb bottom_divider_height=\u00bb40px\u00bb bottom_divider_flip=\u00bbhorizontal\u00bb][et_pb_row padding_top_bottom_link_1=\u00bbtrue\u00bb padding_top_bottom_link_2=\u00bbfalse\u00bb padding_left_right_link_1=\u00bbtrue\u00bb _builder_version=\u00bb3.25″ custom_padding=\u00bb0px|0px|0|0px|false|false\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb3.25″ background_color=\u00bb#005aa6″ custom_padding=\u00bb60px|40px|60px|40px\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.0.5″ text_font=\u00bbPoppins||||||||\u00bb text_text_color=\u00bb#d9d8d6f\u00bb text_font_size=\u00bb16px\u00bb text_line_height=\u00bb2em\u00bb header_font=\u00bbPoppins||||||||\u00bb header_3_font=\u00bbPoppins|500|on||||||\u00bb header_3_font_size=\u00bb38px\u00bb header_3_line_height=\u00bb1.4em\u00bb header_4_font=\u00bb|700||on|||||\u00bb header_4_text_color=\u00bb#1d48c0″ header_4_font_size=\u00bb22px\u00bb header_4_letter_spacing=\u00bb2px\u00bb header_4_line_height=\u00bb1.6em\u00bb background_layout=\u00bbdark\u00bb overflow-x=\u00bbhidden\u00bb overflow-y=\u00bbhidden\u00bb custom_margin=\u00bb-18px||-18px||true\u00bb custom_padding=\u00bb||0px|\u00bb animation_style=\u00bbfade\u00bb text_font_size_tablet=\u00bb\u00bb text_font_size_phone=\u00bb\u00bb text_font_size_last_edited=\u00bbon|phone\u00bb header_3_font_size_tablet=\u00bb30px\u00bb header_3_font_size_phone=\u00bb22px\u00bb header_3_font_size_last_edited=\u00bbon|desktop\u00bb header_4_font_size_tablet=\u00bb\u00bb header_4_font_size_phone=\u00bb16px\u00bb header_4_font_size_last_edited=\u00bbon|tablet\u00bb locked=\u00bboff\u00bb]<\/p>\n

Banco \u00abDesarrollo de los Pueblos\u00bb S.A. CODESARROLLO<\/h3>\n

Creemos que se debe invertir en humanidad, porque es la mejor manera de apoyar a todos nuestros clientes.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00bb3.25″][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_toggle title=\u00bbMISI\u00d3N\u00bb open=\u00bbon\u00bb open_toggle_text_color=\u00bb#005aa6″ open_toggle_background_color=\u00bb#ededed\u00bb closed_toggle_text_color=\u00bb#005aa6″ closed_toggle_background_color=\u00bb#ededed\u00bb icon_color=\u00bb#005aa6″ _builder_version=\u00bb4.0.5″ title_font=\u00bb||||||||\u00bb body_font=\u00bbPoppins||||||||\u00bb body_text_color=\u00bb#005aa6″]<\/p>\n

Somos un Banco \u00e9tico, con inspiraci\u00f3n cristiana y visi\u00f3n social, al servicio de la Econom\u00eda Popular y Solidaria, que ofrece soluciones financieras de calidad para crear condiciones de vida m\u00e1s humanas, contribuir a disminuir la pobreza, generar empleo, fomentar el desarrollo local sostenible y fortalecer las finanzas populares.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=\u00bbVISI\u00d3N\u00bb open=\u00bbon\u00bb open_toggle_text_color=\u00bb#005aa6″ open_toggle_background_color=\u00bb#ededed\u00bb closed_toggle_text_color=\u00bb#005aa6″ closed_toggle_background_color=\u00bb#ededed\u00bb icon_color=\u00bb#005aa6″ _builder_version=\u00bb4.0.5″ title_font=\u00bbPoppins||||||||\u00bb body_font=\u00bbPoppins||||||||\u00bb body_text_color=\u00bb#005aa6″]<\/p>\n

Ser el Banco sostenible e innovador, que brinda la mejor opci\u00f3n de productos y servicios financieros, principalmente para personas y organizaciones de la Econom\u00eda Popular y Solidaria contribuyendo al desarrollo humano integral, la transformaci\u00f3n de vidas, la construcci\u00f3n de equidad y el cuidado de la casa com\u00fan.<\/p>\n

[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00bb3.25″][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.0.5″ text_font=\u00bbPoppins||||||||\u00bb text_text_color=\u00bb#005aa6″ header_font=\u00bb||||||||\u00bb header_2_font=\u00bbPoppins||||||||\u00bb header_2_text_color=\u00bb#005aa6″ header_2_font_size=\u00bb47px\u00bb]<\/p>\n

\u00a0Valores<\/h2>\n

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Cumplir con responsabilidad y perseverancia la misi\u00f3n y visi\u00f3n, y encarnar los valores de CODESARROLLO.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=\u00bbEquidad\u00bb open_toggle_text_color=\u00bb#00a94f\u00bb closed_toggle_text_color=\u00bb#0076c0″ icon_color=\u00bb#005aa6″ _builder_version=\u00bb4.0.5″ title_font=\u00bbPoppins||||||||\u00bb title_text_align=\u00bbcenter\u00bb body_font=\u00bb||||||||\u00bb body_text_color=\u00bb#0076c0″ locked=\u00bboff\u00bb]<\/p>\n

Prever, intuir y actuar de manera positiva respetando la equidad de g\u00e9nero, etnia, religi\u00f3n, edad, relaciones laborales, etc.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=\u00bbProactividad\u00bb open_toggle_text_color=\u00bb#00a94f\u00bb closed_toggle_text_color=\u00bb#ffffff\u00bb closed_toggle_background_color=\u00bb#005aa6″ icon_color=\u00bb#ffffff\u00bb _builder_version=\u00bb4.0.5″ title_font=\u00bbPoppins||||||||\u00bb title_text_align=\u00bbcenter\u00bb body_font=\u00bb||||||||\u00bb body_text_color=\u00bb#005aa6″]<\/p>\n

Anticiparse a las necesidades y oportunidades, tomando iniciativa y responsabilidad para generar soluciones.<\/p>\n

[\/et_pb_toggle][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_toggle title=\u00bbSolidaridad\u00bb open_toggle_text_color=\u00bb#00a94f\u00bb closed_toggle_text_color=\u00bb#ffffff\u00bb closed_toggle_background_color=\u00bb#005aa6″ icon_color=\u00bb#ffffff\u00bb _builder_version=\u00bb4.0.5″ title_font=\u00bbPoppins||||||||\u00bb title_text_align=\u00bbcenter\u00bb body_font=\u00bb||||||||\u00bb body_text_color=\u00bb#005aa6″ locked=\u00bboff\u00bb]<\/p>\n

Sentir y ponerse en el lugar de los otros y cooperar en la b\u00fasqueda de soluciones para todos.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=\u00bbHonestidad\u00bb open_toggle_text_color=\u00bb#00a94f\u00bb closed_toggle_text_color=\u00bb#0076c0″ icon_color=\u00bb#005aa6″ _builder_version=\u00bb4.0.5″ title_font=\u00bbPoppins||||||||\u00bb title_text_align=\u00bbcenter\u00bb body_font=\u00bb||||||||\u00bb body_text_color=\u00bb#0076c0″ locked=\u00bboff\u00bb]<\/p>\n

Actuar con transparencia, rectitud e integridad en todas las relaciones y decisiones.<\/p>\n

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B\u00fasqueda permanente de la excelencia y la mejora continua en los productos, servicios y procesos.<\/p>\n

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Construir relaciones de compa\u00f1erismo, seguridad, sencillez y buen ambiente de trabajo.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=\u00bbGratuidad\u00bb open_toggle_text_color=\u00bb#00a94f\u00bb closed_toggle_text_color=\u00bb#0076c0″ icon_color=\u00bb#005aa6″ _builder_version=\u00bb4.0.5″ title_font=\u00bbPoppins||||||||\u00bb title_text_align=\u00bbcenter\u00bb body_font=\u00bb||||||||\u00bb body_text_color=\u00bb#0076c0″ locked=\u00bboff\u00bb]<\/p>\n

Ser agradecidos y dar de uno mismo con entusiasmo y generosidad algo m\u00e1s de lo que se recibe y de lo que exigen las obligaciones.<\/p>\n

[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ next_background_color=\u00bb#ffffff\u00bb _builder_version=\u00bb4.0.5″ background_color=\u00bb#005aa6″ custom_padding=\u00bb0|0px|54px|0px|false|false\u00bb bottom_divider_style=\u00bbgraph3″ bottom_divider_height=\u00bb30px\u00bb bottom_divider_flip=\u00bbvertical\u00bb][et_pb_row _builder_version=\u00bb4.0.5″ custom_padding=\u00bb26px|0px|7px|0px|false|false\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.0.5″ header_font=\u00bbPoppins|600|on||||||\u00bb header_text_color=\u00bb#ffffff\u00bb header_font_size=\u00bb42px\u00bb]<\/p>\n

DIRECTORIO<\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_2,1_2″ _builder_version=\u00bb3.25″][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_cta title=\u00bbInvertimos en humanidad\u00bb button_text=\u00bbClick Here\u00bb _builder_version=\u00bb4.0.5″ header_level=\u00bbh1″ header_font=\u00bbPoppins|600|||||||\u00bb body_font=\u00bbPoppins||||||||\u00bb use_background_color_gradient=\u00bbon\u00bb background_color_gradient_start=\u00bbrgba(0,118,192,0.98)\u00bb background_color_gradient_end=\u00bbrgba(0,169,79,0.86)\u00bb background_color_gradient_overlays_image=\u00bbon\u00bb background_enable_image=\u00bboff\u00bb min_height=\u00bb348px\u00bb custom_padding=\u00bb||0px|||\u00bb button_text_size__hover_enabled=\u00bboff\u00bb button_one_text_size__hover_enabled=\u00bboff\u00bb button_two_text_size__hover_enabled=\u00bboff\u00bb button_text_color__hover_enabled=\u00bboff\u00bb button_one_text_color__hover_enabled=\u00bboff\u00bb button_two_text_color__hover_enabled=\u00bboff\u00bb button_border_width__hover_enabled=\u00bboff\u00bb button_one_border_width__hover_enabled=\u00bboff\u00bb button_two_border_width__hover_enabled=\u00bboff\u00bb button_border_color__hover_enabled=\u00bboff\u00bb button_one_border_color__hover_enabled=\u00bboff\u00bb button_two_border_color__hover_enabled=\u00bboff\u00bb button_border_radius__hover_enabled=\u00bboff\u00bb button_one_border_radius__hover_enabled=\u00bboff\u00bb button_two_border_radius__hover_enabled=\u00bboff\u00bb button_letter_spacing__hover_enabled=\u00bboff\u00bb button_one_letter_spacing__hover_enabled=\u00bboff\u00bb button_two_letter_spacing__hover_enabled=\u00bboff\u00bb button_bg_color__hover_enabled=\u00bboff\u00bb button_one_bg_color__hover_enabled=\u00bboff\u00bb button_two_bg_color__hover_enabled=\u00bboff\u00bb]<\/p>\n

Somos un banco dedicado y desarrollado para la gente, la que piensa en un ma\u00f1ana diferente, en un futuro para sus hijos, en todo el bienestar de la familia.<\/p>\n

[\/et_pb_cta][\/et_pb_column][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb3.25″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_accordion open_toggle_text_color=\u00bb#00a94f\u00bb closed_toggle_text_color=\u00bb#0076c0″ _builder_version=\u00bb4.0.5″ toggle_font=\u00bbPoppins||||||||\u00bb body_font=\u00bbPoppins||||||||\u00bb body_text_align=\u00bbleft\u00bb body_text_color=\u00bb#0076c0″][et_pb_accordion_item title=\u00bbDirectorio Ejecutivo\u00bb open=\u00bbon\u00bb _builder_version=\u00bb4.0.5″]<\/p>\n\n\n\n\n\n\n\n\n\n
\n
Giuseppe Tonello \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/span><\/b><\/div>\n<\/td>\n
\n
Presidente<\/span><\/div>\n<\/td>\n<\/tr>\n
\n
Luis Hinojosa<\/span><\/b><\/div>\n<\/td>\n
\n
Vicepresidente<\/span><\/div>\n<\/td>\n<\/tr>\n
\n
Sagrario Angulo<\/span><\/b><\/div>\n<\/td>\n
\n
Director Principal<\/span><\/div>\n<\/td>\n<\/tr>\n
\n
Patricia Camacho<\/span><\/b><\/div>\n<\/td>\n
\n
Director Principal<\/span><\/div>\n<\/td>\n<\/tr>\n
Francesco Faraoni<\/span><\/b><\/td>\nDirector Principal<\/span><\/td>\n<\/tr>\n
\n
Fabi\u00e1n Cando<\/span><\/b><\/div>\n<\/td>\n
\n
Director Principal<\/span><\/div>\n<\/td>\n<\/tr>\n
\n
Carlos Naranjo
<\/span><\/b><\/div>\n<\/td>\n
\n
Director Principal<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

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GOBIERNO CORPORATIVO<\/h1>\n

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CODESARROLLO, con la finalidad de lograr el continuo mejoramiento de sus pr\u00e1cticas de negocios, se adhiera a los principios de Buen Gobierno Corporativo, enmarcado en la naturaleza de su objeto social y operaciones, para lo cual, formaliza a trav\u00e9s del CODIGO DE BUEN GOBIERNO CORPORATIVO las pol\u00edticas que permiten ejecutar las disposiciones de sus estatutos y de otras disposiciones que permiten garantizar un marco eficiente para las relaciones de propiedad, gesti\u00f3n, transparencia y rendici\u00f3n de cuentas.<\/span><\/p>\n

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GOBIERNO CORPORATIVO en CODESARROLLO<\/b><\/h2>\n

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El Objetivo del C\u00f3digo de Gobierno Corporativo es compilar las pr\u00e1cticas, procesos y sistemas formales que regulan las relaciones entre: Junta General de Accionistas del Banco; el Directorio, quien define las metas y pol\u00edticas; la Alta Gerencia, quien administra y maneja la operatividad del Banco y los grupos de inter\u00e9s que mantienen relaciones fundamentales para y con el Banco.<\/span><\/p>\n

El Estatuto del Banco establece en el art\u00edculo Trig\u00e9simo cuarto \u201cC\u00f3digo de buen Gobierno Corporativo y C\u00f3digo de \u00c9tica, que, \u201cLas pol\u00edticas y procesos destinados a asegurar los principios b\u00e1sicos de responsabilidad social que rige a la gesti\u00f3n del Banco estar\u00e1n contenidos en el C\u00f3digo de Gobierno Corporativo y C\u00f3digo de \u00c9tica en los que se incluir\u00e1n,\u00a0al menos, los aspectos y contenidos por la entidad de regulaci\u00f3n y control, y las disposiciones legales aplicables\u201d<\/span><\/p>\n

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FINANZAS POPULARES<\/h1>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_2,1_2″ _builder_version=\u00bb4.0.5″][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb4.0.5″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.0.5″ text_font=\u00bbPoppins||||||||\u00bb text_text_color=\u00bb#ffffff\u00bb custom_margin=\u00bb|35px||\u00bb custom_padding_tablet=\u00bb||20px|\u00bb custom_padding_phone=\u00bb||25px|\u00bb custom_padding_last_edited=\u00bbon|desktop\u00bb]<\/p>\n

Las finanzas populares son las finanzas del pueblo. En el Ecuador hoy, la mayor parte de la poblaci\u00f3n, culturalmente rica y \u00e9ticamente sana, sufre por la pobreza econ\u00f3mica. Sin embargo los pobres econ\u00f3micos producen riqueza para otros con su trabajo, con sus productos y con sus ahorros.<\/span><\/p>\n

Muchas personas de los sectores populares, especialmente rurales, comienzan a entender que deben ellos mismos administrar los excedentes que producen.<\/span><\/p>\n

La creaci\u00f3n y participaci\u00f3n de organizaciones populares en el mercado financiero, mediante organizaciones denominadas Estructuras Financieras Locales (EFL), se hacen efectivas como cajas comunitarias, bancos comunales, cooperativas de ahorro y cr\u00e9dito, que captan el ahorro, lo reinvierten v\u00eda cr\u00e9dito en la producci\u00f3n adem\u00e1s ofrecen servicios financieros adicionales.<\/span><\/p>\n

CODESARROLLO capta recursos en varias ciudades del pa\u00eds y en el exterior para ponerlos a disposici\u00f3n de los sectores rural y urbano populares. Apoya al fortalecimiento de las Estructuras Financieras Locales, que operan y reinvierten los recursos en su propia localidad orientando de esta manera su gesti\u00f3n hacia el desarrollo e impulso de las Finanzas Populares.<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb4.0.5″ custom_padding=\u00bb|||\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_toggle title=\u00bb\u00bfPara qu\u00e9 las Finanzas Populares?\u00bb open_toggle_text_color=\u00bb#0076c0″ open_toggle_background_color=\u00bb#e5e5e5″ closed_toggle_text_color=\u00bb#0076c0″ closed_toggle_background_color=\u00bb#ffffff\u00bb icon_color=\u00bb#005aa6″ _builder_version=\u00bb3.22.7″ title_text_color=\u00bb#005aa6″ title_font=\u00bbPoppins||||||||\u00bb body_font=\u00bbPoppins||||||||\u00bb body_text_align=\u00bbjustify\u00bb body_text_color=\u00bb#005aa6″ animation_style=\u00bbflip\u00bb]<\/p>\n

Sus objetivos son:<\/b><\/p>\n

    \n
  1. Orientas la riqueza generada en cada lugar hacia el desarrollo local, impidiendo as\u00ed que los recursos se concentren en las ciudades.<\/span><\/li>\n
  2. Completar la generaci\u00f3n local de recursos con aportes que pueden venir de instituciones p\u00fablicas y privadas, nacionales y extranjeras.<\/span><\/li>\n
  3. Tener la certeza que los recursos se orientan al aumento de la producci\u00f3n y productividad, al mejoramiento cualitativo de los productos puestos en el mercado y a la diversificaci\u00f3n de la producci\u00f3n en el sector primario de la econom\u00eda, en el sector secundario y en el terciario.<\/span><\/li>\n
  4. Captar y retener localmente las remesas de los emigrantes y con estas remesas crear nuevos puestos de trabajo, auto sostenibles, para que la pr\u00f3xima generaci\u00f3n a diferencia de la actual, no tenga emigraci\u00f3n como la perspectiva m\u00e1s cercana.<\/span><\/li>\n
  5. Caracterizar a cada lugar con unas estructuras financieras y productivas, con marcas propias, con una identidad definida.<\/span><\/li>\n
  6. Invertir los esquemas de pensamiento y los flujos econ\u00f3micos vigentes:<\/span><\/li>\n<\/ol>\n
      \n
    • Crear confianza entre los pobres<\/span><\/li>\n
    • Estimular en las comunidades iniciativas privadas no explotadoras<\/span><\/li>\n
    • Dise\u00f1ar, gestionar y conseguir un nuevo marco legal para las finanzas populares.<\/span><\/li>\n
    • Dar la capacitaci\u00f3n con contenidos y objetivos m\u00e1s ligados a las necesidades de cada momento y cada lugar.<\/span><\/li>\n<\/ul>\n

      [\/et_pb_toggle][et_pb_toggle title=\u00bbEl Ahorro y Cr\u00e9dito bien hechos\u00bb open_toggle_text_color=\u00bb#0076c0″ open_toggle_background_color=\u00bb#e5e5e5″ closed_toggle_text_color=\u00bb#0076c0″ closed_toggle_background_color=\u00bb#ffffff\u00bb icon_color=\u00bb#005aa6″ _builder_version=\u00bb4.0.5″ title_text_color=\u00bb#005aa6″ title_font=\u00bbPoppins||||||||\u00bb body_font=\u00bbPoppins||||||||\u00bb body_text_align=\u00bbjustify\u00bb body_text_color=\u00bb#005aa6″ animation_style=\u00bbflip\u00bb locked=\u00bboff\u00bb]<\/p>\n

      Las finanzas populares es un instrumento eficaz para vencer la pobreza. Su punto de partida es el ahorro, que se consigue produciendo m\u00e1s de los que se consume y estimulando en cada persona la capacidad de autocontrol y programaci\u00f3n.<\/span><\/p>\n

      El ahorro debe quedarse en la comunidad a la cual pertenece la persona y la familia que ahorra, como semilla de un fondo de cr\u00e9dito que puede ser completado por instituciones como CODESARROLLO, con el fin de financiar el desarrollo local<\/span><\/p>\n

      Las finanzas populares en su esencia son \u201cahorro y cr\u00e9dito bien hecho\u201d.<\/span><\/p>\n

      Lo bien hecho depende de la cantidad y calidad de inteligencia, sudor, amor y honradez que aporten los actores de las finanzas populares: los dirigentes\u00a0y el personal de la EFL (Estructura Financiera Local) que reciben los ahorros y los dep\u00f3sitos a plazo y los destinatarios (personas, familia, comunidad) de los cr\u00e9ditos.<\/span><\/p>\n

      Los cr\u00e9ditos tienen m\u00e1s capacidad transformadora cuando se los destina a la producci\u00f3n y a la generaci\u00f3n de nuevos puestos de trabajo.<\/span><\/p>\n

      [\/et_pb_toggle][et_pb_toggle title=\u00bbLas Estructuras Financieras Locales y Redes\u00bb open_toggle_text_color=\u00bb#0076c0″ open_toggle_background_color=\u00bb#e5e5e5″ closed_toggle_text_color=\u00bb#0076c0″ closed_toggle_background_color=\u00bb#ffffff\u00bb icon_color=\u00bb#005aa6″ _builder_version=\u00bb4.0.5″ title_text_color=\u00bb#005aa6″ title_font=\u00bbPoppins||||||||\u00bb body_font=\u00bbPoppins||||||||\u00bb body_text_align=\u00bbjustify\u00bb body_text_color=\u00bb#005aa6″ animation_style=\u00bbflip\u00bb locked=\u00bboff\u00bb]<\/p>\n

      Las estructuras financieras locales (EFL) son las capacidades instaladas en los territorios rurales y urbano \u2013 populares para operar ordenada, rentable, legal y \u00e9ticamente en todo lo que se refiere al manejo del dinero de los socios y clientes, en particular en la captaci\u00f3n de ahorros y la otorgaci\u00f3n de cr\u00e9dito.<\/span><\/p>\n

      Se trata de la capacidad de hacer intermediaci\u00f3n financiera y construir las finanzas populares en Ecuador, en su componente no solo econ\u00f3mico, sino tambi\u00e9n organizativo y educativo.<\/span><\/p>\n

      Esto podr\u00e1 darse en cada comunidad rural y urbano popular, por peque\u00f1a que esta sea.<\/span><\/p>\n

      En el Ecuador las EFL toman forma de Cooperativas de ahorro y cr\u00e9dito, Bancos comunales, Cajas de ahorro, cajas rurales, cajas juveniles, cajas mortuorias, etc. Comunas con l\u00edneas de ahorro y cr\u00e9dito, ONG (fundaciones, instituciones, centrales, etc.) con actividades de cr\u00e9dito, Organizaciones de 2\u00ba grado (federaciones, uniones, consorcios, redes, etc.) que realizan ahorro y cr\u00e9dito a su interior.<\/span><\/p>\n

      Las EFL pueden ser de hecho o de derecho, las primeras son las cooperativas, ONGs, asociaciones, federaciones, comunas y las de hecho son los bancos comunales, cajas de ahorro y cr\u00e9dito independientes, fondos mortuorios.<\/span><\/p>\n

      Las EFL se hace m\u00e1s fuertes si se unen a las redes provinciales, sea para aportar y recibir ayuda t\u00e9cnica y financiera, sea para tener capacidad de incidencia pol\u00edtica a trav\u00e9s de una fuerte y visionaria red nacional.<\/span><\/p>\n

      Como principal socio de CODESARROLLO, el Grupo Social FEPP, junto a varias instituciones, apoy\u00f3 la construcci\u00f3n de las redes provinciales que al final del a\u00f1o 2010 son 12 y la Red Nacional de Estructuras Financieras Populares y Solidarias RENAFIPSE.<\/span><\/p>\n

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