Análisis del impacto de los incentivos financieros en la motivación y retención de L talento humano en la cooperativa de ahorro y crédito 18 de noviembre

Abstract

CONDITIONING OF PROJECT PUBLICATION. This research analyzes the impact of financial incentives on the motivation and retention of human talent in the 18 de Noviembre Savings and Credit Union. In a context where organizations in the cooperative sector face difficulties in retaining qualified personnel, adequate incentive management is proposed as a strategic axis for institutional sustainability and competitiveness. The study adopted a mixed approach, with a type of descriptive research, which allowed obtaining a comprehensive view of the problem. Structured surveys were applied to 40 employees in order to collect quantitative information and semi-structured interviews with 6 area leaders, complemented by a review of specialized literature and Ecuadorian labor regulations. The quantitative results show that financial incentives have a positive, albeit moderate, effect on work motivation (60% of favorable perception) and on the intention to stay (55%). From the qualitative approach, it was identified that monetary recognition is perceived as the most valued incentive, while the benefit planes present weaknesses related to the lack of communication, clarity and equity in their application. These findings made it possible to understand that incentives, in their current form, do not reach the maximum expected potential to guarantee talent retention. Consequently, the research proposes a redesign of the incentive system that balances financial and non-financial rewards, prioritizing equity, transparency, and alignment with cooperative values. In this way, optimal solutions are proposed that favor motivation, permanence and organizational commitment, ensuring the sustainability and strengthening of the institution. Keywords: Financial incentives, Work motivation, Talent retention, Human talent management, Organizational sustainability.