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    The challenges for basic-level savings and loan cooperatives in Mexico

    DOI: https://doi.org/10.16925/2382-4220.2019.02.01
    Vol. 27 No. 115 (2019)
    Published: 11/14/2019
    Graciela Lara Gómez
    Jesus Hurtado Maldonado
    This article addresses the predominant problems among the basic-level savings and loan cooperatives in
    Mexico. These cooperatives are organizations that provide financial services and contribute to social improvements in poor regions, where traditional banking has little or no presence. It is proposed that the persistence of these organizations is threatened by various factors, including the lack of formalization of their management processes and the regulatory standards that limit their participation in the market. A theoretical perspective focused on social economy and a qualitative methodological approach is presented to answer the following question: What are the challenges that basic-level savings and loan cooperatives face in Mexico? This is the starting question with which to analyze the sector and a cooperative located in a town experiencing high economic lag. The results show that the challenges to be faced by the sector are linked to the need to show the disadvantages of the legislation, in order to seek its reform. In the cooperative studied, the challenges must be addressed with a vision of the future, promoting the continuity of the organization based on strategies that integrate its dual economic and social purpose.
    Keywords: Array, Array, Array, Array, Array, Array
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    How to Cite

    Lara Gómez, G., & Hurtado Maldonado, J. (2019). The challenges for basic-level savings and loan cooperatives in Mexico. Cooperativismo & Desarrollo, 27(115). https://doi.org/10.16925/2382-4220.2019.02.01

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    As the author of the article declares that is an original unpublished work exclusively created by me, that it has not been submitted for simultaneous evaluation by another publication and that there is no impediment of any kind for concession of the rights provided for in this contract.

    In this sense, I am committed to await the result of the evaluation by the journal Cooperativismo & Desarrollo before considering its submission to another medium; in case the response by that publication is positive, additionally, I am committed to respond for any action involving claims, plagiarism or any other kind of claim that could be made by third parties.

    At the same time, as the author or co-author, I declare that I am completely in agreement with the conditions presented in this work and that I cede all patrimonial rights, in other words, regarding reproduction, public communication, distribution, dissemination, transformation, making it available and all forms of exploitation of the work using any medium or procedure, during the term of the legal protection of the work and in every country in the world, to the Universidad Cooperativa de Colombia Press.

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