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This research was based on the liquidity study of the Ecuadorian banking system with emphasis on operations carried out by savings and credit cooperatives, which in recent periods have been showing shortcomings that have caused the gradual increase of some evaluation indices, leading the financial sector to lose competition. The article aims to determine the analysis of the evolution of operations in cooperatives through the IMF with a financial approach to quality management of processes; the research is of a qualitative nature complemented by the bibliographic review and the national savings and credit cooperatives are taken as a study sample. The first results obtained show that there is a State-Banking-Financial Sector dependency where the State assumes caution over banking and examines the possible risks to arise due to the instability of the financial sector, which is why the IMF with its letter of intent seeks to reestablish control standards to dispense with these risks that are more evident today due to the pandemic that is going through the world and the economic crisis that has occurred in the country, thereby reflecting the liquidity and financing problems that the Ecuadorian state has requested the IMF to improve its economic reserves.

Enfoque financiero: Evolución de operaciones en cooperativas del ecuador y el financiamiento con el FMI.