Resumo

IZAGUIRRE OLMEDO, Jorge A.  e  RANGEL LUZURIAGA, Ernesto W.. From inclusion to sustainability: the role of financial education in cooperatives in Ecuador. Rev. ciente. UCSA [online]. 2026, vol.13, n.1, pp.47-. ISSN 2409-8752.  https://doi.org/10.18004/ucsa/2409-8752/2026.013.01.047.

This study examines the impact of financial literacy on the sustainability of savings and credit cooperatives in Ecuador, considering the challenges faced by these institutions within the popular and solidarity-based financial system. A quantitative, causal research design was employed, using a non-probabilistic sample of 102 cooperative users. Data were collected through a structured questionnaire and analyzed with SmartPLS software applying the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique. Findings indicate that financial literacy accounts for 32% of the variance in sustainability perception, with a positive and statistically significant effect (β = 0.570; p < 0.001). The reliability and validity of the constructs were confirmed, supporting the robustness of the proposed model. These results highlight financial literacy as a strategic factor to strengthen the resilience and stability of cooperatives by enhancing member trust and encouraging responsible saving and credit practices. The study provides relevant empirical evidence for the design of financial education programs and the development of public policies aimed at improving the sustainability of the cooperative system in Ecuador.

Palavras-chave : financial education; sustainability; savings and credit cooperatives; financial inclusion; PLS-SEM.

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