Survival and Determinants of Liquidation of Savings and Credit Cooperatives in Ecuador
Ecuadorian Savings and Credit Cooperatives (COACs) are classified into five segments based on their asset level, with segment 1 having the highest level and segment 5 having the lowest. From 2014 to 2022, the share of COAC assets in the financial system increased from 18 % to 29 %. In 2022, there we...
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2024
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| Truy cập trực tuyến: | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/451 |
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Thêm thẻ | _version_ | 1838839179608326144 |
|---|---|
| author | Andrade Condor, Alexander |
| author2 | Guamaní, Jessica |
| author2_role | author |
| author_facet | Andrade Condor, Alexander Guamaní, Jessica |
| author_role | author |
| collection | Revista Cuestiones Económicas |
| dc.creator.none.fl_str_mv | Andrade Condor, Alexander Guamaní, Jessica |
| dc.date.none.fl_str_mv | 2024-06-28 |
| dc.format.none.fl_str_mv | application/pdf text/html |
| dc.identifier.none.fl_str_mv | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/451 |
| dc.language.none.fl_str_mv | spa |
| dc.publisher.none.fl_str_mv | Banco Central del Ecuador |
| dc.relation.none.fl_str_mv | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/451/351 https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/451/365 |
| dc.rights.none.fl_str_mv | Derechos de autor 2024 Cuestiones Económicas https://creativecommons.org/licenses/by-nc/4.0 info:eu-repo/semantics/openAccess |
| dc.source.none.fl_str_mv | Cuestiones Económicas; Vol. 34 Núm. 1 (2024): Revista Cuestiones Económicas; Autores: Jessica Guamaní P. y Felipe Alexander Andrade C. 2697-3367 2697-3367 reponame:Revista Cuestiones Económicas instname:Banco Central del Ecuador instacron:BCE |
| dc.subject.none.fl_str_mv | Survival Logistic regression Credit Union Bankruptcy Supervivencia Regresión logística Cooperativa de ahorro y crédito Quiebra |
| dc.title.none.fl_str_mv | Survival and Determinants of Liquidation of Savings and Credit Cooperatives in Ecuador Supervivencia y determinantes de la liquidación de las Cooperativas de Ahorro y Crédito en Ecuador |
| dc.type.none.fl_str_mv | info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Artículos de Investigación |
| description | Ecuadorian Savings and Credit Cooperatives (COACs) are classified into five segments based on their asset level, with segment 1 having the highest level and segment 5 having the lowest. From 2014 to 2022, the share of COAC assets in the financial system increased from 18 % to 29 %. In 2022, there were 461 active COACs and 96 liquidated (98 % in segments 3, 4, and 5). In this context, a study was conducted to examine the liquidation of COACs through survival analysis and logistic regressions. The study used data from 456 cooperatives observed over 25 quarters between 2016 and 2022. The survival models indicate a survival probability of over 90 % throughout the period in segments 3 and 4, while the survival probability in segment 5 is around 60 %. In addition, the logistic regressions suggest that administrative management and coverage level are protective factors against liquidation, while the number of branches is associated with an increased risk factor. |
| eu_rights_str_mv | openAccess |
| format | article |
| id | REVCUESTEC_2c06ce608e5e1321bdc50b83cc0e2fdd |
| instacron_str | BCE |
| institution | BCE |
| instname_str | Banco Central del Ecuador |
| language | spa |
| network_acronym_str | REVCUESTEC |
| network_name_str | Revista Cuestiones Económicas |
| oai_identifier_str | oai:estudioseconomicos.bce.fin.ec:article/451 |
| publishDate | 2024 |
| publisher.none.fl_str_mv | Banco Central del Ecuador |
| reponame_str | Revista Cuestiones Económicas |
| repository.mail.fl_str_mv | |
| repository.name.fl_str_mv | Revista Cuestiones Económicas - Banco Central del Ecuador |
| repository_id_str | |
| rights_invalid_str_mv | Derechos de autor 2024 Cuestiones Económicas https://creativecommons.org/licenses/by-nc/4.0 |
| spelling | Survival and Determinants of Liquidation of Savings and Credit Cooperatives in EcuadorSupervivencia y determinantes de la liquidación de las Cooperativas de Ahorro y Crédito en EcuadorAndrade Condor, AlexanderGuamaní, JessicaSurvivalLogistic regressionCredit UnionBankruptcySupervivenciaRegresión logísticaCooperativa de ahorro y créditoQuiebraEcuadorian Savings and Credit Cooperatives (COACs) are classified into five segments based on their asset level, with segment 1 having the highest level and segment 5 having the lowest. From 2014 to 2022, the share of COAC assets in the financial system increased from 18 % to 29 %. In 2022, there were 461 active COACs and 96 liquidated (98 % in segments 3, 4, and 5). In this context, a study was conducted to examine the liquidation of COACs through survival analysis and logistic regressions. The study used data from 456 cooperatives observed over 25 quarters between 2016 and 2022. The survival models indicate a survival probability of over 90 % throughout the period in segments 3 and 4, while the survival probability in segment 5 is around 60 %. In addition, the logistic regressions suggest that administrative management and coverage level are protective factors against liquidation, while the number of branches is associated with an increased risk factor. Las cooperativas de ahorro y crédito (COAC) de Ecuador están clasificadas en cinco segmentos asociados con su nivel de activos, siendo 1 el segmento con mayor nivel y 5 con el menor. Entre 2014 y 2022, la participación de los activos de las COAC en el sistema financiero pasó del 18 % al 29 %. En el 2022, se contaba con 461 COAC activas y 96 liquidadas (98 % en los segmentos 3, 4 y 5). En este contexto, se planteó estudiar la liquidación de las COAC a través de análisis de supervivencia y regresiones logísticas. Para ello, se contó con la información de 456 cooperativas observadas durante 25 trimestres en el periodo 2016 y 2022. Los modelos de supervivencia reflejan una probabilidad de supervivencia superior al 90 % en todo el periodo en los segmentos 3 y 4, mientras dicha probabilidad en el segmento 5 es de alrededor del 60 %. De manera complementaria, las regresiones logísticas sugieren que el manejo administrativo y el nivel de cobertura es un factor protector de la liquidación, por el contrario, la cantidad de agencias se asocia con un factor de riesgo.Banco Central del Ecuador2024-06-28info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionArtículos de Investigaciónapplication/pdftext/htmlhttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/451Cuestiones Económicas; Vol. 34 Núm. 1 (2024): Revista Cuestiones Económicas; Autores: Jessica Guamaní P. y Felipe Alexander Andrade C.2697-33672697-3367reponame:Revista Cuestiones Económicasinstname:Banco Central del Ecuadorinstacron:BCEspahttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/451/351https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/451/365Derechos de autor 2024 Cuestiones Económicashttps://creativecommons.org/licenses/by-nc/4.0info:eu-repo/semantics/openAccess2024-07-09T17:02:56Zoai:estudioseconomicos.bce.fin.ec:article/451Portal de revistashttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCEOrganismo de gobiernowww.bce.fin.echttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/oaiEcuadoropendoar:2024-07-09T17:02:56falsePortal de revistashttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCEOrganismo de gobiernowww.bce.fin.echttps://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/oaiEcuadoropendoar:2024-07-09T17:02:56Revista Cuestiones Económicas - Banco Central del Ecuadorfalse |
| spellingShingle | Survival and Determinants of Liquidation of Savings and Credit Cooperatives in Ecuador Andrade Condor, Alexander Survival Logistic regression Credit Union Bankruptcy Supervivencia Regresión logística Cooperativa de ahorro y crédito Quiebra |
| status_str | publishedVersion |
| title | Survival and Determinants of Liquidation of Savings and Credit Cooperatives in Ecuador |
| title_full | Survival and Determinants of Liquidation of Savings and Credit Cooperatives in Ecuador |
| title_fullStr | Survival and Determinants of Liquidation of Savings and Credit Cooperatives in Ecuador |
| title_full_unstemmed | Survival and Determinants of Liquidation of Savings and Credit Cooperatives in Ecuador |
| title_short | Survival and Determinants of Liquidation of Savings and Credit Cooperatives in Ecuador |
| title_sort | Survival and Determinants of Liquidation of Savings and Credit Cooperatives in Ecuador |
| topic | Survival Logistic regression Credit Union Bankruptcy Supervivencia Regresión logística Cooperativa de ahorro y crédito Quiebra |
| url | https://estudioseconomicos.bce.fin.ec/index.php/RevistaCE/article/view/451 |