Fortalecimiento de la Gestión de Riesgos Financieros ante la Volatilidad Global: Caso Cooperativa de Ahorro y Crédito JGPC, Ecuador

Abstract

The JGPC Savings and Credit Cooperative, located in Ecuador, faces significant challenges in the face of increasing global economic volatility, derived from factors such as international inflation, fluctuations in interest rates and geopolitical tensions. Your current risk management model, based on traditional methods, does not allow you to effectively anticipate and mitigate these risks. Therefore, this project proposes the development and implementation of a Comprehensive Financial Risk Management System (SIGR) with technological support and aligned to international standards such as Basel III and the regulations of the SEPS. The proposal focuses on improving the quality of the portfolio, ensuring liquidity, strengthening the institutional reputation and complying with current regulations. A progressive approach is contemplated that includes diagnosis, staff training, technological development, continuous monitoring and internal audits. The selected alternative - to develop the model internally - offers sustainability, institutional autonomy and strategic adaptation to the changing economic environment. The estimated cost is USD 11,275, distributed in phases such as diagnosis, training, technological development and continuous improvement. The project seeks not only to transform risk management, but to consolidate a preventive and proactive organizational culture that guarantees the sustainability of the cooperative in the long term.