DGRV is active nationwide in the Ecuadorian cooperative sector. The aim of the project is to improve the income situation of micro-entrepreneurs and family farms, as well as to secure the savings of members of savings and credit cooperatives.

At makro level, the DGRV team in Ecuador advises the supervisor of the cooperative sector (SEPS) on legislative proposals and provides assistance in staff training.

At meso level, DGRV works together with the central bank of the Ecuadorian savings and credit cooperatives, FINANCOOP. FINANCOOP strengthens its member cooperatives using DGRV tools in the areas of good governance and social accountability.

At micro level, DGRV works directly with the savings and credit cooperatives. Through a range of software tools, such as the MicroScore (a program to evaluate credit risks for microcredits), DGRV supports the credit unions in their daily work. All DGRV tools used by savings and credit cooperatives aim to promote financial inclusion, especially for the rural population, and to ensure the proper and efficient management of the savings entrusted to credit unions. In doing so, DGRV makes an important contribution to the stability of the Ecuadorian financial system.

In addition, DGRV supports the savings and credit cooperatives in establishing a green credit line. The term “green credit line” refers to a range of financial products such as loans, which are specifically designed to finance investments that make a positive contribution to environmental and climate protection. Also, at micro-level and in cooperation with the credit cooperative “Vis Andes”, DGRV supports associations of family farms in the province of Cotopaxi. By networking several groups and the joint purchase and sale of goods, the families involved in the project should be able to increase their income.

Sustainable Development Goals

Our project in Ecuador contributes to several Sustainable Development Goals, especially:



  • Advising the SPES on the introduction of a legal obligation to compile a social balance sheet
  • Training of FINANCOOP staff on good governance
  • Introduction of the new version of the MicroScore (with the module for agricultural credit) in the savings and credit cooperatives




Project Director

Dr. Matthias Arzbach

DGRV Director Ecuador

Klaus Hesse

Head of Administration

Gabriel Montenegro

Administration and Accounting

Yndira Montagne
Lorena Bermudez

Senior Project Advisor

Fernando Espinosa
Gabriela Cabezas
Mónica Molina
Rodrigo Mullo

Junior Project Advisor

Alejandro Romero
Liliana Ligña


Superintendencia de Economía Popular y Solidaria (SEPS)

SEPS is a government agency with the task of monitoring and regulating the Ecuadorian solidarity economy (savings and credit cooperatives, real estate cooperatives, associations, etc.). With the SEPS we work on regulatory issues and social balance.


FINANCOOP is the central bank of the savings and credit cooperatives in Ecuador. Member cooperatives have the option of providing themselves with liquidity via a credit line. DGRV is working with FINANCOOP in areas such as good governance or social balance.

Vis Andes

The Savings and Credit Cooperative Vis Andes offers classic financial services to members as well as non-members. These include, for example, microcredits or savings accounts. Vis Andes is our partner in the project section rural networks.


Rumipamba E2-214 y Av. República
Edif. Signature, Piso 7, Of. 701
170201 Quito – Ecuador

F. +593 (2) 351-8389

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