Morosidad de la cartera de microcrédito de la Cooperativa de Ahorro y Crédito San Antonio Ltda, Los Ríos – agencia Vinces

The objective of this case study is to perform an analysis of the delinquency rate of the microcredit portfolio of the Cooperativa de Ahorro y Crédito San Antonio Ltda., in the period 2018 - 2019, the delinquency is the one that will show the degree of maturity that have the payments of the borrowers, microcredits are an instrument that boost the growth of productive activities and in turn improve the quality of life of small entrepreneurs, that is, they help to finance their businesses. Likewise, the COAC San Antonio must take into account that its indexes allow it to meet its obligations and above all to continue maintaining its activities, in addition to the credits that are granted to members, whether these are intended for the repair or purchase of a home, will have the same tax treatment as the mutual associations, by means of the financial indicators which show the real situation of the institutions, it was possible to obtain the delinquency rate of the microcredit portfolio for the period 2019 was 10,02% higher by 0,43% compared to the previous period, with respect to this information the cooperative saw the need to improve its credit collection policies having good results since the delinquency of the total portfolio decreased.

• 1. Verfasser: Gallardo Moran, Victor Aldo (author)
• Format: bachelorThesis
• Veröffentlicht: 2021
• Schlagworte: Morosidad; Cartera; Microcrédito; Indicadores financieros
• Online Zugang: http://dspace.utb.edu.ec/handle/49000/9680