Strategic Management in Savings and Credit Cooperatives: Reflections on Governance, Efficiency, Behavior, Sustainability, and Digital Transformation

Gestión estratégica en cooperativas de ahorro y crédito: reflexiones sobre gobernanza, eficiencia, comportamiento, sostenibilidad y transformación digital

Ángel Fabián Cruz Alvear
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Ángel Fabián Cruz Alvear: CESFRO - Casa Editorial Sin Fronteras

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Abstract: Strategic Management in Savings and Credit Cooperatives: Reflections on Governance, Efficiency, Behavior, Sustainability, and Digital Transformation analyzes the main challenges faced by savings and credit cooperatives within increasingly complex and changing environments. The work addresses governance, profitability, financial sustainability, reputational capital, strategic leadership, productive efficiency, and resource management. Furthermore, it examines financial decision-making behavior, digital transformation, artificial intelligence, employee turnover, and organizational climate. From an interdisciplinary perspective, it provides valuable insights aimed at strengthening decision-making, optimizing institutional efficiency, improving competitiveness, and consolidating the sustainability of cooperatives by integrating their financial, organizational, technological, and social dimensions.

Keywords: institutional efficiency; competitiveness; organizational climate; artificial intelligence; digital transformation; decision-making; financial sustainability; Strategic management; savings and credit cooperatives; credit unions; governance; competitividad; clima organizacional; inteligencia artificial; transformación digital; toma de decisiones; eficiencia institucional; sostenibilidad financiera; gobernanza; cooperativas de ahorro y crédito; Gestión estratégica (search for similar items in EconPapers)
Date: 2026-09-14
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Published in Casa Editorial Sin Fronteras - CESFRO, 1, pp.131, 2026, 978-9907-822-52-6. ⟨10.5281/zenodo.22690895⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05768356

DOI: 10.5281/zenodo.22690895

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