Variación de ingresos en la Cooperativa Juan Pio de mora ubicado en Babahoyo de la provincia de los ríos en los periodos 2021 y 2022
| dc.contributor.advisor | Ushca Cuzco, Nancy Elizabeth | |
| dc.contributor.author | Sánchez Rivera, Priscila Maritza | |
| dc.date.accessioned | 2023-11-17T18:24:25Z | |
| dc.date.available | 2023-11-17T18:24:25Z | |
| dc.date.issued | 2023 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/15370 | |
| dc.description | The study of income variation at the Juan Pío De Mora Cooperative during the years 2021 and 2022 provides clarity and understanding about significant changes in its financial performance. In this period, the cooperative experienced a noticeable growth in its net interest margins and gross financial margins, indicating an improvement in its ability to generate income from interest and discounts earned in its operations. However, there was a decrease in profit before taxes and profit or loss for the year as a percentage of total income, suggesting less favorable financial performance in 2022 compared to the previous year. This analysis highlights the need to focus on operational efficiency and diversify sources of income to ensure long-term financial stability for the cooperative. It is essential for the Juan Pío De Mora Cooperative to implement strategies that maintain a balance between profit margins and operating costs while exploring opportunities to expand its financial services and products. These measures are key to ensuring a solid and sustainable financial future in the competitive cooperative and banking environment. | es_ES |
| dc.description | The study of income variation at the Juan Pío De Mora Cooperative during the years 2021 and 2022 provides clarity and understanding about significant changes in its financial performance. In this period, the cooperative experienced a noticeable growth in its net interest margins and gross financial margins, indicating an improvement in its ability to generate income from interest and discounts earned in its operations. However, there was a decrease in profit before taxes and profit or loss for the year as a percentage of total income, suggesting less favorable financial performance in 2022 compared to the previous year. This analysis highlights the need to focus on operational efficiency and diversify sources of income to ensure long-term financial stability for the cooperative. It is essential for the Juan Pío De Mora Cooperative to implement strategies that maintain a balance between profit margins and operating costs while exploring opportunities to expand its financial services and products. These measures are key to ensuring a solid and sustainable financial future in the competitive cooperative and banking environment. | es_ES |
| dc.description.abstract | El estudio de la variación de ingresos en la Cooperativa Juan Pío De Mora durante los años 2021 y 2022 proporciona claridad o entendimiento sobre los cambios significativos en su desempeño financiero, es decir que ofrece información valiosa que permite comprender mejor los cambios en el desempeño financiero. En este período, la cooperativa experimentó un notorio crecimiento en sus márgenes netos de intereses y margen bruto financiero, indicando una mejora en su capacidad para generar ingresos a partir de intereses y descuentos obtenidos en sus operaciones. Sin embargo, se observó una disminución en la ganancia antes de impuestos y la ganancia o pérdida del ejercicio como porcentaje de los ingresos totales, lo que sugiere un rendimiento financiero menos favorable en 2022 en comparación con el año anterior. Este análisis resalta la necesidad de enfocarse en la eficiencia operativa y diversificar las fuentes de ingresos para garantizar la estabilidad financiera a largo plazo de la cooperativa. Es esencial que la Cooperativa Juan Pío De Mora implemente estrategias que permitan mantener un equilibrio entre los márgenes de ganancia y los costos operativos, al mismo tiempo que explore oportunidades para expandir sus servicios y productos financieros. Estas medidas son clave para asegurar un futuro financiero sólido y sostenible en el competitivo entorno cooperativo y bancario. | es_ES |
| dc.format.extent | 42 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 | Variación de ingresos | es_ES |
| dc.subject | Cooperativa Juan Pío De Mora | es_ES |
| dc.subject | Análisis financiero | es_ES |
| dc.subject | Eficiencia operativa | es_ES |
| dc.subject | Estabilidad financiera | es_ES |
| dc.title | Variación de ingresos en la Cooperativa Juan Pio de mora ubicado en Babahoyo de la provincia de los ríos en los periodos 2021 y 2022 | es_ES |
| dc.type | bachelorThesis | es_ES |
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Except where otherwise noted, this item's license is described as Atribución-NoComercial-SinDerivadas 3.0 Ecuador