{"id":1126,"date":"2023-02-16T14:02:57","date_gmt":"2023-02-16T19:02:57","guid":{"rendered":"http:\/\/coacsanmiguel.fin.ec\/smb\/?p=1126"},"modified":"2026-06-03T10:00:54","modified_gmt":"2026-06-03T15:00:54","slug":"transparencia","status":"publish","type":"post","link":"https:\/\/coacsanmiguel.fin.ec\/smb\/transparencia\/","title":{"rendered":"TRANSPARENCIA"},"content":{"rendered":"

[et_pb_section fb_built=\u00bb1″ fullwidth=\u00bbon\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_fullwidth_image src=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/wp-content\/uploads\/2023\/01\/transparencia.jpg\u00bb title_text=\u00bbtransparencia\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_fullwidth_image][\/et_pb_section][et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb background_enable_color=\u00bboff\u00bb custom_padding=\u00bb1px||3px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row column_structure=\u00bb1_3,1_3,1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbInformaci\u00f3n Financiera\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||divi||400″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Representa la actividad financiera de la Cooperativa en el tiempo determinado en el mismo.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/documentos\/Transparencia\/2025\/Est_Fin_dic-2025.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbPatrimonio T\u00e9cnico\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||fa||900″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Representa la composici\u00f3n y evoluci\u00f3n del patrimonio t\u00e9cnico de la instituci\u00f3n, utilizado para respaldar sus operaciones y garantizar su solidez financiera.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/documentos\/Transparencia\/2025\/Patr_Tecn.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbCuadros Estad\u00edsticos\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||divi||400″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb disabled_on=\u00bboff|off|off\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Presenta un resumen visual de los principales datos financieros y operativos de la instituci\u00f3n, organizados en cuadros para facilitar su an\u00e1lisis e interpretaci\u00f3n.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/documentos\/Transparencia\/2024\/CUADROS_ESTADISTICOS.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb disabled_on=\u00bboff|off|off\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb||0px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_divider color=\u00bb#7CDA24″ divider_style=\u00bbdotted\u00bb divider_weight=\u00bb2px\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_3,1_3,1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbIndicadores de Genero\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||fa||900″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Muestra la participaci\u00f3n diferenciada por g\u00e9nero en los servicios financieros de la instituci\u00f3n durante el a\u00f1o, permitiendo analizar el nivel de inclusi\u00f3n y equidad alcanzado.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/documentos\/Transparencia\/2024\/IND_GEN01_2024.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbProductos y Tasas Activas\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||divi||400″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Muestra los niveles de inter\u00e9s aplicados a las operaciones de cr\u00e9dito de la instituci\u00f3n durante el per\u00edodo analizado, permitiendo evaluar las condiciones financieras otorgadas a los socios.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/\/smb\/documentos\/Transparencia\/2026\/Tasas_Activas_Junio_2026.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbProductos y Tasas Pasivas\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||fa||900″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Presenta los productos de captaci\u00f3n y las tasas de inter\u00e9s pasivas aplicadas, permitiendo analizar la rentabilidad ofrecida a los socios y la competitividad de la instituci\u00f3n.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/\/smb\/documentos\/Transparencia\/2026\/Tasas_Pasivas_Junio_2026.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb||0px|||\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_divider color=\u00bb#7CDA24″ divider_style=\u00bbdotted\u00bb divider_weight=\u00bb2px\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_3,1_3,1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbResultados de Auditoria\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||divi||400″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Refleja los hallazgos, observaciones y conclusiones obtenidas durante el proceso de auditor\u00eda externa, evaluando la gesti\u00f3n financiera y operativa de la instituci\u00f3n.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/documentos\/Transparencia\/2024\/DICTAMEN_2024.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbCalificaci\u00f3n de Riesgos\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||fa||900″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb disabled_on=\u00bboff|off|off\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb hover_enabled=\u00bb0″ locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0″]<\/p>\n

Muestra la evaluaci\u00f3n del nivel de riesgo de la instituci\u00f3n, considerando su situaci\u00f3n financiera, operativa y de control, as\u00ed como su capacidad para gestionar y mitigar riesgos.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/documentos\/Transparencia\/2026\/Calificacion_Riesgos.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb disabled_on=\u00bboff|off|off\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb hover_enabled=\u00bb0″ box_shadow_style=\u00bbpreset1″ locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0″][\/et_pb_button][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbIndicadores Financieros\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||fa||900″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb disabled_on=\u00bbon|on|on\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb disabled=\u00bbon\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Representa los principales indicadores financieros de la instituci\u00f3n, reflejando su desempe\u00f1o econ\u00f3mico y nivel de sostenibilidad.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/documentos\/Transparencia\/2025\/Tasas_Pasivas_Enero_2026.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb disabled_on=\u00bbon|on|on\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ disabled=\u00bbon\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb||0px|||\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_divider color=\u00bb#7CDA24″ divider_style=\u00bbdotted\u00bb divider_weight=\u00bb2px\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_3,1_3,1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbOrganigrama Institucional\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||divi||400″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb disabled_on=\u00bbon|on|on\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb disabled=\u00bbon\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Representa la estructura de la administraci\u00f3n por departamentos dentro de nuestra instituci\u00f3n financiera. <\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/documentos\/Transparencia\/2025\/Tasas_Pasivas_Enero_2026.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb disabled_on=\u00bbon|on|on\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ disabled=\u00bbon\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_blurb title=\u00bbIndicadores Financieros\u00bb use_icon=\u00bbon\u00bb font_icon=\u00bb||fa||900″ icon_color=\u00bb#7CDA24″ image_icon_width=\u00bb71px\u00bb disabled_on=\u00bbon|on|on\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#0c55d3″ text_orientation=\u00bbjustified\u00bb custom_padding=\u00bb|15px||15px|false|false\u00bb disabled=\u00bbon\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n

Representa los principales indicadores financieros de la instituci\u00f3n, reflejando su desempe\u00f1o econ\u00f3mico y nivel de sostenibilidad.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=\u00bbhttps:\/\/coacsanmiguel.fin.ec\/smb\/documentos\/Transparencia\/2025\/Tasas_Pasivas_Enero_2026.pdf\u00bb url_new_window=\u00bbon\u00bb button_text=\u00bbVer Informaci\u00f3n\u00bb button_alignment=\u00bbcenter\u00bb disabled_on=\u00bbon|on|on\u00bb _builder_version=\u00bb4.19.4″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb17px\u00bb button_text_color=\u00bb#0C71C3″ button_bg_color=\u00bbRGBA(255,255,255,0)\u00bb button_border_color=\u00bb#0C71C3″ button_border_radius=\u00bb3px\u00bb button_icon=\u00bb1||divi||400″ button_icon_color=\u00bb#0C71C3″ custom_margin=\u00bb-20px||||false|false\u00bb box_shadow_style=\u00bbpreset1″ disabled=\u00bbon\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Representa la actividad financiera de la Cooperativa en el tiempo determinado en el mismo.Representa la composici\u00f3n y evoluci\u00f3n del patrimonio t\u00e9cnico de la instituci\u00f3n, utilizado para respaldar sus operaciones y garantizar su solidez financiera.Presenta un resumen visual de los principales datos financieros y operativos de la instituci\u00f3n, organizados en cuadros para facilitar su an\u00e1lisis e […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"2880","_joinchat":[],"footnotes":""},"categories":[9],"tags":[],"class_list":["post-1126","post","type-post","status-publish","format-standard","hentry","category-otro"],"yoast_head":"\nTRANSPARENCIA | Cooperativa de Ahorro y Cr\u00e9dito San Miguel de los Bancos<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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