Análisis de la cartera micro financiera en el sector cooperativista de la provincia del Guayas, período 2013-2015
Fecha
2016-09
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Universidad de Guayaquil Facultad de Ciencias Económicas
Resumen
Haciendo una reminiscencia, el cooperativismo nace ante la lacerante realidad que se ha convertido en un freno para el desarrollo, que es la pobreza, en este contexto se gestan las ideas de Muhammad Yunus, economista y líder Bangladés, cuyo gran sueño es la erradicación de la pobreza; el profesor Yunus fundó el Banco Grammen, cuyo principal objetivo es el de suministrar préstamos a las personas más pobres de Bangladesh con el fin de ayudarlos a mejorar su nivel de vida generando un emprendimiento que les ayude a mejorar sus ingresos.
En este contexto nacen las instituciones micro financieras que atienden a los sectores de la población que no pueden acceder a la banca tradicional. Las Cooperativas de Ahorro y Crédito son instituciones que realizan intermediación financiera con el aporte de sus cooperados. Las captaciones provienen de recursos excedentes canalizados a través del ahorro o inversión de sus socios, recursos con los que se ofrecen financiamiento a los socios que lo requieran, atendiendo necesidades de consumo, microcrédito y vivienda.
Esta investigación se realizará bajo un enfoque metodológico mixto, es decir Cualitativo y Cuantitativo, en el enfoque Cualitativo se realizará un análisis descriptivo de las causales del fenómeno de la morosidad en las micro finanzas, características de la población; a estos datos se les dará un tratamiento estadístico ya que se organizarán y tabularán los resultados obtenidos.
En el enfoque Cuantitativo se incluirán estadísticos de medición, se elaborarán índices e indicadores que permitan la comparación vertical y horizontal de los resultados de la investigación materia de estudio. Para la definición de características y causales se tomará una muestra de la población a la cual se le aplicará una encuesta. Los datos numéricos e históricos se recolectarán a través de información publicada por la Superintendencia de Economía Popular y Solidaria.
Este trabajo pretende servir de guía para la emisión de lineamientos que permitan mejorar las estrategias que garanticen el mantenimiento de una cartera sana, mitigando los efectos nocivos de la morosidad al plantear alternativas que disminuyan el deterioro de la cartera.
Making history, cooperativism born before the reality that has become a brake on development, which is poverty, in this context the ideas of Muhammad Yunus, an economist and Bangladesh leader gestate, whose dream is to eradicate poverty; Professor Yunus founded the Grameen Bank, whose main objective is to provide loans to poor Bangladesh people in order to help them improve their living standards by generating a venture to help them improve their income. In this context micro financial institutions born, that serve the sectors of the population that can not access traditional banking. The Associations of savings and credits are institutions that perform financial intermediation with the contribution of their cooperators. Deposits come from surplus funds channeled through savings or investment partners, funding resources that are available to members who need it, serving consumer needs, microcredit and housing. This research was conducted under a mixed methodological approach, it means Qualitative and Quantitative, qualitative approach in a descriptive analysis of the causes of the phenomenon of late payment in micro finance, population characteristics will be made; these data will be given a statistical treatment that will be organized and tabulated the results. In the quantitative approach they will include measurement statistics, indexes and indicators for vertical and horizontal comparison of the results of the research. For the definition of features and causes, a sample of the population which will apply a survey was taken. The numerical and historical data will be collected through information published by the Superintendence of Popular and Solidarity Economy. This paper aims to provide guidance for issuing guidelines to improve strategies to ensure the maintenance of a healthy portfolio, mitigating the harmful effects of late payments to propose alternatives that reduce the deterioration of the portfolio.
Making history, cooperativism born before the reality that has become a brake on development, which is poverty, in this context the ideas of Muhammad Yunus, an economist and Bangladesh leader gestate, whose dream is to eradicate poverty; Professor Yunus founded the Grameen Bank, whose main objective is to provide loans to poor Bangladesh people in order to help them improve their living standards by generating a venture to help them improve their income. In this context micro financial institutions born, that serve the sectors of the population that can not access traditional banking. The Associations of savings and credits are institutions that perform financial intermediation with the contribution of their cooperators. Deposits come from surplus funds channeled through savings or investment partners, funding resources that are available to members who need it, serving consumer needs, microcredit and housing. This research was conducted under a mixed methodological approach, it means Qualitative and Quantitative, qualitative approach in a descriptive analysis of the causes of the phenomenon of late payment in micro finance, population characteristics will be made; these data will be given a statistical treatment that will be organized and tabulated the results. In the quantitative approach they will include measurement statistics, indexes and indicators for vertical and horizontal comparison of the results of the research. For the definition of features and causes, a sample of the population which will apply a survey was taken. The numerical and historical data will be collected through information published by the Superintendence of Popular and Solidarity Economy. This paper aims to provide guidance for issuing guidelines to improve strategies to ensure the maintenance of a healthy portfolio, mitigating the harmful effects of late payments to propose alternatives that reduce the deterioration of the portfolio.
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CARTERA DE CRÉDITO, MICRO FINANZAS, RIESGO FINANCIERO, PROVISIÓN DE CARTERA