Análisis de la cartera de crédito en la Cooperativa de Ahorro y Crédito Cristo Rey, período 2020 - 2021
Loan portfolio study in financial institutions in the medium or long term is important to identify risks, improve performance and; thus, optimize profitability. For this study, the "Cristo Rey" Credit Union was analyzed during 2020 and 2021. The research methodology comprised quantitative...
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| Format: | bachelorThesis |
| Language: | spa |
| Published: |
2023
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| Subjects: | |
| Online Access: | https://dspace.unl.edu.ec/jspui/handle/123456789/26988 |
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Add Tag | Summary: | Loan portfolio study in financial institutions in the medium or long term is important to identify risks, improve performance and; thus, optimize profitability. For this study, the "Cristo Rey" Credit Union was analyzed during 2020 and 2021. The research methodology comprised quantitative and qualitative information, which means a mixed approach was applied. The population of the study was the "Cristo Rey" Credit Union. Based on specific objectives, the results obtained were an adequate financial structure, showing good resource management handled by the entity, and its evolution was evidenced through a vertical and horizontal financial analysis. In addition, to show the variation between the two years of study, the main financial ratios of the Ecuadorian Superintendence of Popular and Solidarity Economy (SEPS as its acronym in Spanish), which is the main control organism of credit unions, were used. Moreover, the monitoring system of Protection, Effective Financial Structure, Asset Quality, Return on Investment and Costs, Liquidity, and Growth Signals (PERLAS as its acronym in Spanish) was also applied for an exhaustive financial analysis. In this regard, strategies focused on loan portfolio recovery were proposed to help reduce risk, using the SWOT analysis to help the financial institution make good decisions in the future. Finally, it was concluded that the entity has an optimal financial structure and a high delinquency rate in its three credit facilities. |
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