<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2960-2467</journal-id>
<journal-title><![CDATA[e-Revista Multidisciplinaria del Saber]]></journal-title>
<abbrev-journal-title><![CDATA[e-Rev. Multidiscip. Saber]]></abbrev-journal-title>
<issn>2960-2467</issn>
<publisher>
<publisher-name><![CDATA[Centro de Investigación en Tecnologías de Salud y Ambiente (CITSA)]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2960-24672025000100232</article-id>
<article-id pub-id-type="doi">10.61286/e-rms.v3i.205</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Impacto socioeconómico del covid-19 en socios de la cooperativa de ahorro y crédito la benéfica]]></article-title>
<article-title xml:lang="en"><![CDATA[Socioeconomic Impact of COVID-19 on members of La benéfica savings and credit cooperative]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Laaz Vera]]></surname>
<given-names><![CDATA[Mayerly Guadalupe]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Loor Zambrano]]></surname>
<given-names><![CDATA[María Germania]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Palacios Zurita]]></surname>
<given-names><![CDATA[Wladimir Alexander]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Escuela Superior Politécnica Agropecuaria de Manabí &#8220;Manuel Félix López&#8221;  ]]></institution>
<addr-line><![CDATA[Calceta ]]></addr-line>
<country>Ecuador</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Escuela Superior Politécnica Agropecuaria de Manabí &#8220;Manuel Félix López&#8221;  ]]></institution>
<addr-line><![CDATA[Tosagua ]]></addr-line>
<country>Ecuador</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Escuela Superior Politécnica Agropecuaria de Manabí &#8220;Manuel Félix López&#8221;  ]]></institution>
<addr-line><![CDATA[Calceta ]]></addr-line>
<country>Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<volume>3</volume>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://ve.scielo.org/scielo.php?script=sci_arttext&amp;pid=S2960-24672025000100232&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://ve.scielo.org/scielo.php?script=sci_abstract&amp;pid=S2960-24672025000100232&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://ve.scielo.org/scielo.php?script=sci_pdf&amp;pid=S2960-24672025000100232&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La presente investigación tiene como objetivo establecer el impacto socioeconómico del COVID-19, percibido por los socios de la Cooperativa de Ahorro y crédito de la Benéfica para el aporte al manejo de las consecuencias sociales detectadas. Se empleo un enfoque mixto, combinando elementos cuantitativos y cualitativos, aplicando como métodos el inductivo, deductivo y analítico y sistemático para analizar los datos obtenidos, además se aplicó la matriz de Conesa para identificar y valorar los impactos socioeconómicos generados. La población a considerar es de 381 socios aplicando el muestreo probabilístico para obtener la muestra de las diferentes agencias de la COAC. Entre los principales hallazgos se encuentra que, durante la pandemia hubo un incremento del 6,60% de socios con ingresos menores a un Salario Básico Unificado, lo cual ocasiono que los socios tuvieran dificultades para cubrir sus gastos básicos y obligaciones crediticias. El covid-19 afecto principalmente las dimensiones salud, empleo y estabilidad económica, dando a conocer la importancia de fortalecer e implementar estrategias de apoyo financiero en la cooperativa con la finalidad de que los socios puedan mitigar el impacto de una futura crisis económica y social de forma efectiva.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The objective of this research is to establish the socioeconomic impact of COVID-19, as perceived by the members of the cooperativa de ahorro y crédito de la benéfica in order to contribute to the management of the social consequences detected. A mixed approach was used, combining quantitative and qualitative elements, applying inductive, deductive and analytical and systematic methods to analyze the data obtained, and the Conesa matrix was applied to identify and assess the socioeconomic impacts generated. The population to be considered is 381 members applying probabilistic sampling to obtain the sample of the different COAC agencies. Among the main findings is that during the pandemic there was an increase of 6.60% of members with incomes below one Unified Basic Wage, which caused members to have difficulties to cover their basic expenses and credit obligations. Covid-19 mainly affected the dimensions of health, employment and economic stability, making clear the importance of strengthening and implementing financial support strategies in the cooperative so that members can effectively mitigate the impact of a future economic and social crisis.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Covid-19]]></kwd>
<kwd lng="es"><![CDATA[socios]]></kwd>
<kwd lng="es"><![CDATA[cooperativa]]></kwd>
<kwd lng="es"><![CDATA[socioeconómico]]></kwd>
<kwd lng="en"><![CDATA[Covid-19]]></kwd>
<kwd lng="en"><![CDATA[partners]]></kwd>
<kwd lng="en"><![CDATA[cooperative]]></kwd>
<kwd lng="en"><![CDATA[socioeconomic]]></kwd>
</kwd-group>
</article-meta>
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<article-title xml:lang=""><![CDATA[Financial markets under the global pandemic of COVID-19]]></article-title>
<source><![CDATA[Finance Research Letters]]></source>
<year>2020</year>
<volume>36</volume>
<numero>101528</numero>
<issue>101528</issue>
</nlm-citation>
</ref>
</ref-list>
</back>
</article>
