Factores clave para la implementación del SARAS en el sistema financiero popular y solidario del Ecuador
Keywords:
Environmental management,, financial system, social risks, training, sustainabilityAbstract
This study aimed to evaluate the factors influencing the successful implementation of the Environmental and Social Risk Management System (SARAS) in financial institutions. A mixed-methods approach was employed, incorporating documentary review, interviews, and surveys. Through data triangulation, five key categories for SARAS implementation were identified and assessed using the WASPAS method, enabling the prioritization of the most relevant factors. The results indicated that regulatory compliance and staff training were the most influential factors in SARAS success, with high ratings for regulatory clarity and the need for technical training on environmental and social issues. Additionally, the integration of environmental and social criteria into the credit cycle, along with the availability of technical and financial resources, posed significant challenges for institutions. The study highlighted the importance of clear regulations and continuous training as fundamental elements for the successful implementation of SARAS. It is recommended that greater resources be allocated and a comprehensive approach be adopted to adapt internal processes effectively.
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