Impacto del COVID-19 en el índice de morosidad de las cooperativas de ahorro y crédito
Dilatoriness constitutes a key to ascertaining the performance of financial institutions and is one of the main risks they face; therefore, it is also essential to know how to measure it and its management. Thus, the research was developed to analyze the evolution of the dilatoriness rate of savings...
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| Format: | bachelorThesis |
| Sprog: | spa |
| Udgivet: |
2023
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| Fag: | |
| Online adgang: | https://dspace.unl.edu.ec/jspui/handle/123456789/26949 |
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Tilføj Tag | Summary: | Dilatoriness constitutes a key to ascertaining the performance of financial institutions and is one of the main risks they face; therefore, it is also essential to know how to measure it and its management. Thus, the research was developed to analyze the evolution of the dilatoriness rate of savings and credit cooperatives, segment 2, during the period 2017-2021 and to determine if there is a relationship between macroeconomic factors and the dilatoriness rate. For this purpose, the dilatoriness indicators of the Capital adequacy, Assets quality, Management quality, Earnings, and Liquidity (CAMEL) methodology were used in the first instance, followed by a Spearman correlation where the variables were the variation rate of the Gross Domestic Product (GDP), the inflation rate, the unemployment rate, the benchmark lending rate and the dilatoriness rate. The results demonstrate a spike in dilatoriness in 2020 when the COVID-19 health crisis occurred. On the other hand, the macroeconomic factors that had no relationship with dilatoriness were GDP, inflation, and unemployment; on the other hand, the benchmark lending rate did have a relationship with the dilatoriness rate. Finally, strategies to reduce dilatoriness in credit unions, segment 2, were proposed. |
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