Análisis de la morosidad de los microcréditos otorgados por las COAC del segmento 1 y su impacto en la rentabilidad
Microcredits are currently considered a tool for the fight against poverty, these are aimed especially at people with limited resources to improve their quality of life. The present study focuses on the cooperatives of segment 1 of Ecuador, the objective is to identify the impact that generates the...
Kaydedildi:
| Yazar: | |
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| Materyal Türü: | bachelorThesis |
| Dil: | spa |
| Baskı/Yayın Bilgisi: |
2023
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| Konular: | |
| Online Erişim: | https://dspace.unl.edu.ec/jspui/handle/123456789/28099 |
| Etiketler: |
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Etiketle | Özet: | Microcredits are currently considered a tool for the fight against poverty, these are aimed especially at people with limited resources to improve their quality of life. The present study focuses on the cooperatives of segment 1 of Ecuador, the objective is to identify the impact that generates the delinquency of the microcredit portfolio on the profitability of the institutions, for its development, was carried out the analysis of some accounts was carried out, such as, portfolio to expire, that does not accrue interest and overdue portfolio, application of protection indicators of the PEARLS method, as well as, a correlation of the default variable against the return on assets (ROA) and return on equity (ROE); with which, it could be analyzed the behavior of the variables the behavior of the variables and establish how changes in one variable are related to changes in the other. The results show that delinquency in microcredits affects the profitability of cooperatives in a low proportion, one of the factors that can influence the results is the overestimation of provisions given that the microcredit portfolio at risk is fully protected, this was verified when applying the protection indicators where the results exceed 100% except for the portfolio recovery indicator which does not reach the established 75%. |
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