Índice de Vulnerabilidad Financiera de las cooperativas de ahorro y crédito de los segmentos 1 y 2, periodo 2015 – 2023

Savings and credit cooperatives carry specific risks associated with their financial intermediation activities. Therefore, they must implement monitoring systems to identify critical points they may encounter. Thus, the objective of this degree work is to determine the Financial Vulnerability Index of the cooperative system of segments 1 and 2 during the period 2015 – 2023, for which the Principal Component Analysis (PCA) was used, taking as a reference the indicators recommended by the Andean Community for the assessment of the vulnerability of the financial systems of the Member Countries. The study employed a mixed – methods approach, integrating quantitative and qualitative data analysis within a longitudinal non - experimental design. The population includes savings and credit cooperatives in segments 1 and 2, which together represent 94 % of the assets in the Popular and Solidarity Economy Financial System. The PCA showed that market concentration and surpluses are the variables that most affect the first segment, while liquidity and financial intermediation affect the second. It was also concluded that cooperatives in segment 1 have shown greater financial vulnerability in recent years. The research provides organizations in the cooperative system and control entities with an overview of the vulnerabilities. The challenges encountered by these financial institutions have prompted them to create more effective strengthening mechanisms.

• Հիմնական հեղինակ: Uquillas Vega, Angel Ramiro (author)
• Ձևաչափ: bachelorThesis
• Լեզու: spa
• Հրապարակվել է: 2024
• Խորագրեր: FINANZAS; VULNERABILIDAD FINANCIERA; CREDITOS; ECUADOR
• Առցանց հասանելիություն: https://dspace.unl.edu.ec/jspui/handle/123456789/31636