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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| Natura: | bachelorThesis |
| Lingua: | spa |
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2023
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| Accesso online: | https://dspace.unl.edu.ec/jspui/handle/123456789/27375 |
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Aggiungi Tag | _version_ | 1857833021446553600 |
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| author | Capa Puchaicela, Tatiana Elizabeth |
| author_facet | Capa Puchaicela, Tatiana Elizabeth |
| author_role | author |
| collection | Repositorio Universidad Nacional de Loja |
| dc.contributor.none.fl_str_mv | Morocho Pasaca, Diana Paola |
| dc.creator.none.fl_str_mv | Capa Puchaicela, Tatiana Elizabeth |
| dc.date.none.fl_str_mv | 2023-06-27T14:17:43Z 2023-06-27T14:17:43Z 2023-06-27 |
| dc.format.none.fl_str_mv | 163 p. application/pdf |
| dc.identifier.none.fl_str_mv | https://dspace.unl.edu.ec/jspui/handle/123456789/27375 |
| dc.language.none.fl_str_mv | spa |
| dc.publisher.none.fl_str_mv | Universidad Nacional de Loja |
| dc.rights.none.fl_str_mv | info:eu-repo/semantics/openAccess |
| dc.source.none.fl_str_mv | reponame:Repositorio Universidad Nacional de Loja instname:Universidad Nacional de Loja instacron:UNL |
| dc.subject.none.fl_str_mv | <FINANZAS> <CREDITO> <LOJA> <COAC> |
| dc.title.none.fl_str_mv | Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en Loja |
| dc.type.none.fl_str_mv | info:eu-repo/semantics/publishedVersion info:eu-repo/semantics/bachelorThesis |
| description | 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. |
| eu_rights_str_mv | openAccess |
| format | bachelorThesis |
| id | UNL_5f48334cb68f4026298564df39410d13 |
| instacron_str | UNL |
| institution | UNL |
| instname_str | Universidad Nacional de Loja |
| language | spa |
| network_acronym_str | UNL |
| network_name_str | Repositorio Universidad Nacional de Loja |
| oai_identifier_str | oai:dspace.unl.edu.ec:123456789/27375 |
| publishDate | 2023 |
| publisher.none.fl_str_mv | Universidad Nacional de Loja |
| reponame_str | Repositorio Universidad Nacional de Loja |
| repository.mail.fl_str_mv | * |
| repository.name.fl_str_mv | Repositorio Universidad Nacional de Loja - Universidad Nacional de Loja |
| repository_id_str | 0 |
| spelling | Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en LojaCapa Puchaicela, Tatiana Elizabeth<FINANZAS><CREDITO><LOJA><COAC>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.Actualmente las cooperativas de ahorro y crédito deben manejar una situación económica y financiera estable para lograr posicionarse en un mercado altamente competitivo, buscando incluir a las personas a los distintos servicios financieros, acción que les permite ser sólidamente sostenibles a través del tiempo, es por ello que en la presente investigación se relacionan dos variables que tienen una connotación muy importante dentro del desarrollo económico local y mundial, teniendo como objetivo analizar la incidencia del comportamiento de cartera de crédito sobre la liquidez de las COACs del segmento 2 ubicadas en la ciudad de Loja; en primera instancia mediante indicadores financieros y posterior a ello con la aplicación de un modelo de correlación de variables. Como metodología esta investigación relacionó información cuantitativa y cualitativa, es decir, tuvo un enfoque mixto, el cual permitió recolectar datos, analizarlos y determinar el comportamiento de cartera mediante un análisis horizontal, además se utilizaron datos oficiales de la página de la SEPS para aplicar los indicadores de liquidez y rentabilidad correspondientes al sistema de monitoreo PERLAS el mismo que permitió conocer los niveles de liquidez de las COACs estudiadas y a su vez obtener el modelo de correlación de las variables. Entre los principales resultados se encontró que la matriz de correlación arroja una fuerza de relación inversa equivalente a (-0,65), de manera que se puede establecer que a medida que el monto de cartera de crédito incrementa, la liquidez tiende a disminuir mostrando que las instituciones mantienen un buen nivel de colocación. Finalmente se presentan estrategias que permitan el correcto funcionamiento de cartera de crédito contribuyendo simultáneamente de manera positiva a la liquidez de las COACs.Universidad Nacional de LojaMorocho Pasaca, Diana Paola2023-06-27T14:17:43Z2023-06-27T14:17:43Z2023-06-27info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/bachelorThesis163 p.application/pdfhttps://dspace.unl.edu.ec/jspui/handle/123456789/27375spainfo:eu-repo/semantics/openAccessreponame:Repositorio Universidad Nacional de Lojainstname:Universidad Nacional de Lojainstacron:UNL2025-05-02T15:00:42Zoai:dspace.unl.edu.ec:123456789/27375Institucionalhttps://dspace.unl.edu.ec/Universidad públicahttps://unl.edu.ec/https://dspace.unl.edu.ec/oaiEcuador***opendoar:02025-05-02T15:00:42falseInstitucionalhttps://dspace.unl.edu.ec/Universidad públicahttps://unl.edu.ec/https://dspace.unl.edu.ec/oai*Ecuador***opendoar:02025-05-02T15:00:42Repositorio Universidad Nacional de Loja - Universidad Nacional de Lojafalse |
| spellingShingle | Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en Loja Capa Puchaicela, Tatiana Elizabeth <FINANZAS> <CREDITO> <LOJA> <COAC> |
| status_str | publishedVersion |
| title | Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en Loja |
| title_full | Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en Loja |
| title_fullStr | Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en Loja |
| title_full_unstemmed | Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en Loja |
| title_short | Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en Loja |
| title_sort | Comportamiento de cartera de crédito y su incidencia en la liquidez de las COAC del segmento 2 ubicadas en Loja |
| topic | <FINANZAS> <CREDITO> <LOJA> <COAC> |
| url | https://dspace.unl.edu.ec/jspui/handle/123456789/27375 |