El cooperativismo es fundamental en países en vías de desarrollo

El cooperativismo se ha extendido a lo largo y ancho del país, hoy cuenta con más de 1,4 millones de asociados, genera más de 750.000 empleos y más de 3.600 millones de dólares en ingresos anuales, lo que representa el 7,3 por ciento del Producto Interno Bruto.

De acuerdo con el Instituto Nacional de Cooperativas (Inacop), hasta el 31 de diciembre de 2015 estaban inscritas 1,855 cooperativas, pero de esas solo 894 permanecen activas; 338 son agrícolas, 294 de ahorro y crédito, 54 de producción, 52 de consumo, 46 de vivienda, 23 de transporte, 35 de servicios especiales, 10 de pesca y 42 de comercialización.

El movimiento tiene 1.400.000 asociados; 573.606 de ellas mujeres, lo que demuestra la participación activa de éstas en el cooperativismo; dato relevante ya que hace algunos años era impensable que un número tan alto de mujeres pudiesen pertenecer a una cooperativa, y de éstas una gran mayoría, 542.709, están asociadas en cooperativas de ahorro y crédito.

Una de las actividades exitosas e importantes del cooperativismo es la de ahorro y crédito, que se ha convertido en un prototipo de banca, sin estar sujeta a esa legislación, comparándose a los bancos del país; para sus transacciones financieras utilizan el Sistema MICOOPE, que está conformado por instituciones que realizan un trabajo apegado a los principios de cooperación, solidaridad y ayuda mutua, coordinando entre cooperativas de distintas regiones, al ofrecer servicios de ahorro, préstamos, seguros, tarjetas de crédito y remesas.

Y por último, la actividad más reciente y novedosa en la que el gremio está incursionando, es la generación de energía eléctrica en los departamentos de San Marcos y Huehuetenango, fronterizos con México. En esa área están por iniciar dos proyectos de energía, con la colaboración de la Asociación Nacional de Cooperativas Eléctricas Rurales de los Estados Unidos, (Nreca); lo que resulta verdaderamente interesante es que las comunidades serían las socias y los ingresos que generen estas empresas se van a quedar en los municipios donde se construyan las hidroeléctricas, para impactar positivamente en la economía, y en la contención de la pobreza.

Visto todo sobre el papel, pareciera ser que el cooperativismo resulta siendo fundamental en países en vías de desarrollo para mejorar las condiciones de vida de sus habitantes, pero aparte de sus mecanismos de control administrativo y financiero interno, ¿Quién más controla la parte financiera de estas cooperativas? ¿Cómo estamos seguros que algunos de sus directivos no se enriquecen de manera dudosa?, ¿Cada cuánto se dan los cambios en las directivas y cuantos años pueden permanecer sus miembros en una directiva?, etc.

Las cooperativas, federaciones y confederaciones de acuerdo con su ley orgánica, están sujetas a la fiscalización del Estado, el cual la ejercerá a través de la Inspección General de Cooperativas, adscrita al Instituto Nacional de Cooperativas; de allí la importancia que la Inspección General de Cooperativas mantenga los controles y la supervisión necesaria para transparentar el manejo de los fondos y la actuación de sus directivos, esto asegura que el cooperativismo se vaya fortaleciendo cada día más y que sirva como un impulso para disminuir la pobreza y el desarrollo nacional.

GUATEMALA NECESITA DE SUS MEJORES HOMBRES Y MUJERES PARA RESCATARLA.

 

JULIO RIVERA CLAVERIA

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