El crédito de consumo y su aporte a la rentabilidad de las cooperativas de ahorro y crédito del segmento 3 de la ciudad de Loja

The objective of this research is to identify the contribution of the consumer credit portfolio to the profitability of the savings and credit cooperatives in segment 3 of the city of Loja. The methodology used was based on a mixed approach, the methods used were deductive and inductive, the type of research is correlational, since it allows to know the interaction between variables, the study period was 2017-2021. Among its results, it is highlighted that the consumer portfolio on ROA in the total period shows a correlation coefficient of 0.24, showing that it is not statistically significant. However, when fractioning the period analyzed, it is found that before the pandemic the correlation coefficient is 0.4595, that is, the consumer portfolio is positively related to ROA; for the post-pandemic period, the correlation coefficient is 0.5738, indicating that the relationship is stronger. With respect to the ROE in the total period, the Pearson correlation coefficient is r= 0.1735, indicating that there is no positive linear relationship between the variables. Likewise, the period was fractioned establishing that before the pandemic r= 0.2219 showing that there is no linear relationship, therefore the consumer portfolio does not affect the ROE, and in the post-pandemic period it is found that r= 0.5144 showing a positive relationship between the variables, which implies that the consumer portfolio does affect the ROE. Finally, strategies were proposed through the diagnosis of the SWOT tool, with the purpose of offering solutions to the entities.

• Autore principale: Herrera Herrera, Daniel Francisco (author)
• Natura: bachelorThesis
• Lingua: spa
• Pubblicazione: 2023
• Soggetti: <FINANZAS>; <RENTABILIDAD>; <LOJA>; <CREDITO>
• Accesso online: https://dspace.unl.edu.ec/jspui/handle/123456789/27563