Evaluación del riesgo de la morosidad de cartera vencida en la Cooperativa de Ahorro y Crédito “San Antonio” del Cantón Vinces durante el periodo 2022.
| dc.contributor.advisor | Merchán Jácome, Verónica Alexandra | |
| dc.contributor.author | León Barros, José Francisco | |
| dc.date.accessioned | 2023-11-15T18:41:14Z | |
| dc.date.available | 2023-11-15T18:41:14Z | |
| dc.date.issued | 2023 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/15302 | |
| dc.description | This study focuses on evaluating the delinquency risk in the overdue credit portfolio of Savings and Credit Cooperative San Antonio during the year 2022, with the purpose of determining its impact on the financial institution's profitability. The problem statement arises from the growing concern about the increase in delinquency in the cooperative and its repercussion on the loan recovery capacity, which can significantly affect its financial health. The justification for conducting this research is based on the importance of addressing delinquency in a financial institution that largely relies on credit loans as a source of income. Delinquency not only affects the liquidity of the cooperative but can also require additional financing methods to offset the losses, making it essential to thoroughly understand its causes and effects. The general objective is to assess the delinquency risk in the overdue credit portfolio during the year 2022 to determine its impact on the profitability of Savings and Credit Cooperative San Antonio. To achieve this, a mixed methodology that combines quantitative and qualitative approaches will be employed, including the review of internal policies and practices, financial statement analysis, and the identification of key performance indicators. As a result of this research, it is expected to provide recommendations that strengthen risk management and delinquency prevention in the cooperative, aiming to maintain its financial health and effectively meet the needs of its members and clients | es_ES |
| dc.description | This study focuses on evaluating the delinquency risk in the overdue credit portfolio of Savings and Credit Cooperative San Antonio during the year 2022, with the purpose of determining its impact on the financial institution's profitability. The problem statement arises from the growing concern about the increase in delinquency in the cooperative and its repercussion on the loan recovery capacity, which can significantly affect its financial health. The justification for conducting this research is based on the importance of addressing delinquency in a financial institution that largely relies on credit loans as a source of income. Delinquency not only affects the liquidity of the cooperative but can also require additional financing methods to offset the losses, making it essential to thoroughly understand its causes and effects. The general objective is to assess the delinquency risk in the overdue credit portfolio during the year 2022 to determine its impact on the profitability of Savings and Credit Cooperative San Antonio. To achieve this, a mixed methodology that combines quantitative and qualitative approaches will be employed, including the review of internal policies and practices, financial statement analysis, and the identification of key performance indicators. As a result of this research, it is expected to provide recommendations that strengthen risk management and delinquency prevention in the cooperative, aiming to maintain its financial health and effectively meet the needs of its members and clients | es_ES |
| dc.description.abstract | Este estudio se centra en la evaluación del riesgo de morosidad en la cartera de crédito vencida de la Cooperativa de Ahorro y Crédito San Antonio durante el año 2022, con el propósito de determinar su impacto en la rentabilidad de la entidad financiera. El planteamiento del problema surge ante la creciente preocupación por el aumento de la morosidad en la cooperativa y su repercusión en la capacidad de recuperación de préstamos, lo que puede afectar significativamente su salud financiera. La justificación para llevar a cabo esta investigación se basa en la importancia de abordar la morosidad en una institución financiera que depende en gran medida de los préstamos crediticios como fuente de ingresos. La morosidad no solo afecta la liquidez de la cooperativa, sino que también puede requerir métodos de financiamiento adicionales para compensar las pérdidas, lo que hace esencial comprender a fondo sus causas y efectos. El objetivo general es establecer el riesgo de morosidad en la cartera de crédito vencida durante el período 2022 para determinar su impacto en la rentabilidad de la Cooperativa de Ahorro y Crédito San Antonio. Para lograrlo, se empleará una metodología mixta que combina enfoques cuantitativos y cualitativos, que incluirá la revisión de políticas y prácticas internas, el análisis de estados financieros y la identificación de indicadores clave de rendimiento. Como resultado de esta investigación, se espera proporcionar recomendaciones que fortalezcan la gestión de riesgos y la prevención de morosidad en la cooperativa, con el fin de mantener su salud financiera y satisfacer las necesidades de sus socios y clientes de manera efectiva. | es_ES |
| dc.format.extent | 53 p. | es_ES |
| dc.language.iso | es | es_ES |
| dc.publisher | Babahoyo: UTB-FAFI. 2023 | es_ES |
| dc.rights | Atribución-NoComercial-SinDerivadas 3.0 Ecuador | * |
| dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/3.0/ec/ | * |
| dc.subject | Cartera | es_ES |
| dc.subject | Vencida | es_ES |
| dc.subject | Riesgo | es_ES |
| dc.subject | Morosidad | es_ES |
| dc.subject | Rentabilidad | es_ES |
| dc.title | Evaluación del riesgo de la morosidad de cartera vencida en la Cooperativa de Ahorro y Crédito “San Antonio” del Cantón Vinces durante el periodo 2022. | es_ES |
| dc.type | bachelorThesis | es_ES |
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