Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in Ecuador
This research, applied to savings and credit cooperatives (COAC) in segment 1 of Ecuador, aims to analyze the relationship between funding structure and financial performance in a period prior to the start of the COVI-19 pandemic. For this purpose, the Panel Corrected Standard Errors Estimator (PSCE...
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| Formaat: | article |
| Taal: | spa |
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2022
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| Online toegang: | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1070 |
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Voeg label toe | _version_ | 1862866949952765952 |
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| author | Oñate-Paredes, Carlos Andrés |
| author2 | Noboa-García, Alfredo Paúl Lima, Roberto Arruda de Souza Verdugo-Morales, Nathaly Paulina |
| author2_role | author author author |
| author_facet | Oñate-Paredes, Carlos Andrés Noboa-García, Alfredo Paúl Lima, Roberto Arruda de Souza Verdugo-Morales, Nathaly Paulina |
| author_role | author |
| collection | Revistas Universidad Tecnológica Equinoccial |
| dc.creator.none.fl_str_mv | Oñate-Paredes, Carlos Andrés Noboa-García, Alfredo Paúl Lima, Roberto Arruda de Souza Verdugo-Morales, Nathaly Paulina |
| dc.date.none.fl_str_mv | 2022-12-01 |
| dc.format.none.fl_str_mv | application/pdf text/html |
| dc.identifier.none.fl_str_mv | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1070 10.29019/eyn.v13i2.1070 |
| dc.language.none.fl_str_mv | spa |
| dc.publisher.none.fl_str_mv | Universidad UTE |
| dc.relation.none.fl_str_mv | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1070/884 https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1070/885 |
| dc.rights.none.fl_str_mv | Derechos de autor 2022 Los Autores https://creativecommons.org/licenses/by/4.0/ info:eu-repo/semantics/openAccess |
| dc.source.none.fl_str_mv | Economía y Negocios; Vol. 13 No. 2 (2022): Journal Economía y Negocios (July - December 2022); 52-70 Economía y Negocios; Vol. 13 Núm. 2 (2022): Revista Economía y Negocios (Julio - Diciembre 2022); 52-70 2602-8050 10.29019/eyn.v13i2 reponame:Revistas Universidad Tecnológica Equinoccial instname:Universidad Tecnológica Equinoccial instacron:UTE |
| dc.subject.none.fl_str_mv | Saving and credit cooperatives Microfinance Popular and solidarity economy Funding structure Panel corrected standard errors estimator Cooperativas de Ahorro y Crédito Microfinanzas Economía popular y solidaria Estructura de fondeo Estimador de errores estándar corregidos para panel |
| dc.title.none.fl_str_mv | Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in Ecuador Estructura de Fondeo y Desempeño Financiero. Estudio Empírico en Cooperativas de Ahorro y Crédito del Segmento 1 en Ecuador |
| dc.type.none.fl_str_mv | info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Evaluado por pares |
| description | This research, applied to savings and credit cooperatives (COAC) in segment 1 of Ecuador, aims to analyze the relationship between funding structure and financial performance in a period prior to the start of the COVI-19 pandemic. For this purpose, the Panel Corrected Standard Errors Estimator (PSCE) was used. The information was obtained from the Superintendence of Popular and Solidarity Economy of Ecuador (SEPS) and from the websites of each COAC, generating a database composed of three matrices: the first related to the funding structure, the second with the characteristics COAC and the third with macroeconomic variables. The main results point to a positive, but not statistically significant, impact of wealth on financial self-sufficiency. On the other hand, it was shown that the financial resources of the public with higher cost negatively influence the performance of the COACs, suggesting the need for a less onerous funding structure for the cooperatives. |
| eu_rights_str_mv | openAccess |
| format | article |
| id | REVUTE_3778069cc9464fdc545c8f7a1a2ed4f9 |
| identifier_str_mv | 10.29019/eyn.v13i2.1070 |
| instacron_str | UTE |
| institution | UTE |
| instname_str | Universidad Tecnológica Equinoccial |
| language | spa |
| network_acronym_str | REVUTE |
| network_name_str | Revistas Universidad Tecnológica Equinoccial |
| oai_identifier_str | oai:revistas.ute.edu.ec:article/1070 |
| publishDate | 2022 |
| publisher.none.fl_str_mv | Universidad UTE |
| reponame_str | Revistas Universidad Tecnológica Equinoccial |
| repository.mail.fl_str_mv | . |
| repository.name.fl_str_mv | Revistas Universidad Tecnológica Equinoccial - Universidad Tecnológica Equinoccial |
| repository_id_str | 0 |
| rights_invalid_str_mv | Derechos de autor 2022 Los Autores https://creativecommons.org/licenses/by/4.0/ |
| spelling | Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in EcuadorEstructura de Fondeo y Desempeño Financiero. Estudio Empírico en Cooperativas de Ahorro y Crédito del Segmento 1 en EcuadorOñate-Paredes, Carlos AndrésNoboa-García, Alfredo Paúl Lima, Roberto Arruda de SouzaVerdugo-Morales, Nathaly PaulinaSaving and credit cooperativesMicrofinancePopular and solidarity economyFunding structurePanel corrected standard errors estimatorCooperativas de Ahorro y CréditoMicrofinanzasEconomía popular y solidariaEstructura de fondeoEstimador de errores estándar corregidos para panelThis research, applied to savings and credit cooperatives (COAC) in segment 1 of Ecuador, aims to analyze the relationship between funding structure and financial performance in a period prior to the start of the COVI-19 pandemic. For this purpose, the Panel Corrected Standard Errors Estimator (PSCE) was used. The information was obtained from the Superintendence of Popular and Solidarity Economy of Ecuador (SEPS) and from the websites of each COAC, generating a database composed of three matrices: the first related to the funding structure, the second with the characteristics COAC and the third with macroeconomic variables. The main results point to a positive, but not statistically significant, impact of wealth on financial self-sufficiency. On the other hand, it was shown that the financial resources of the public with higher cost negatively influence the performance of the COACs, suggesting the need for a less onerous funding structure for the cooperatives.La presente investigación, aplicada en las cooperativas de ahorro y crédito (COAC) del segmento 1 del Ecuador, tiene como objetivo analizar la relación entre estructura de fondeo y desempeño financiero en un período anterior al inicio de la pandemia del Covid-19. Para dicho fin se utilizó el estimador de los errores estándar corregidos para panel (PSCE). La información fue obtenida de la Superintendencia de Economía Popular y Solidaria del Ecuador (SEPS) y de los sitios web de cada COAC, generando una base de datos compuesta por tres matrices: la primera relacionada con la estructura de fondeo, la segunda con las características de la COAC y la tercera con variables macroeconómicas. Los principales resultados apuntan a un impacto positivo, pero estadísticamente no significativo, del patrimonio en la autosuficiencia financiera. Por otro lado, se evidenció que los recursos financieros del público con mayor costo influyen negativamente en el desempeño de las COAC, sugiriendo la necesidad de una estructura de fondeo menos onerosa para las cooperativas.Universidad UTE2022-12-01info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionPeer-reviewedEvaluado por paresapplication/pdftext/htmlhttps://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/107010.29019/eyn.v13i2.1070Economía y Negocios; Vol. 13 No. 2 (2022): Journal Economía y Negocios (July - December 2022); 52-70Economía y Negocios; Vol. 13 Núm. 2 (2022): Revista Economía y Negocios (Julio - Diciembre 2022); 52-702602-805010.29019/eyn.v13i2reponame:Revistas Universidad Tecnológica Equinoccialinstname:Universidad Tecnológica Equinoccialinstacron:UTEspahttps://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1070/884https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1070/885Derechos de autor 2022 Los Autoreshttps://creativecommons.org/licenses/by/4.0/info:eu-repo/semantics/openAccess2023-09-20T01:14:41Zoai:revistas.ute.edu.ec:article/1070Institucionalhttps://www.ute.edu.ec/revistas-ute/Universidad privadahttps://www.ute.edu.ec/..Ecuador.1390-65421390-6542opendoar:02023-09-20T01:14:41Revistas Universidad Tecnológica Equinoccial - Universidad Tecnológica Equinoccialfalse |
| spellingShingle | Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in Ecuador Oñate-Paredes, Carlos Andrés Saving and credit cooperatives Microfinance Popular and solidarity economy Funding structure Panel corrected standard errors estimator Cooperativas de Ahorro y Crédito Microfinanzas Economía popular y solidaria Estructura de fondeo Estimador de errores estándar corregidos para panel |
| status_str | publishedVersion |
| title | Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in Ecuador |
| title_full | Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in Ecuador |
| title_fullStr | Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in Ecuador |
| title_full_unstemmed | Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in Ecuador |
| title_short | Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in Ecuador |
| title_sort | Funding Structure and Financial Performance. Empirical Study in Savings and Credit Cooperatives of Segment 1 in Ecuador |
| topic | Saving and credit cooperatives Microfinance Popular and solidarity economy Funding structure Panel corrected standard errors estimator Cooperativas de Ahorro y Crédito Microfinanzas Economía popular y solidaria Estructura de fondeo Estimador de errores estándar corregidos para panel |
| url | https://revistas.ute.edu.ec/index.php/economia-y-negocios/article/view/1070 |