Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en Loja
Currently, savings and credit cooperatives must manage a stable economic and financial situation in order to position themselves in a highly competitive market, seeking to include people in the various financial services, an action that allows them to be solidly sustainable over time, which is why t...
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| Format: | bachelorThesis |
| Language: | spa |
| Published: |
2023
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| Subjects: | |
| Online Access: | https://dspace.unl.edu.ec/jspui/handle/123456789/27375 |
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Add Tag | Summary: | Currently, savings and credit cooperatives must manage a stable economic and financial situation in order to position themselves in a highly competitive market, seeking to include people in the various financial services, an action that allows them to be solidly sustainable over time, which is why this research relates two variables that have a very important connotation within the local and global economic development, aiming to analyze the impact of credit portfolio behavior on the liquidity of segment 2 COACs located in the city of Loja; The first step was to use financial indicators, followed by the application of a correlation model of variables. As a methodology, this research related quantitative and qualitative information, that is, it had a mixed approach, which allowed collecting data, analyzing them and determining the behavior of the portfolio through a horizontal analysis. In addition, official data from the SEPS website were used to apply the liquidity and profitability indicators corresponding to the PERLAS monitoring system, which allowed knowing the liquidity levels of the COACs studied and at the same time obtaining the correlation model of the variables. Among the main results it was found that the correlation matrix shows an inverse relationship strength equivalent to (-0.65), so that it can be established that as the amount of credit portfolio increases, liquidity tends to decrease, showing that the institutions maintain a good level of placement. Finally, strategies are presented that allow the correct functioning of the credit portfolio while contributing positively to the liquidity of the COACs. |
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