Análisis sobre la morosidad de Cartera en las Instituciones Financieras Adscritas a la Economía Popular y Solidaria en la República del Ecuador, Periodo 2016-2019.
Fecha
2020-10
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Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
Este proyecto de investigación se enfoca en las instituciones financieras adscritas a la economía popular y solidaria del territorio ecuatoriano, la finalidad del estudio es conocer el comportamiento que tuvo la morosidad de cartera total en el periodo de estudio, 2016 – 2019. Tomando en cuenta principalmente los boletines financieros donde se extrajo la información estadística de los incides de morosidad, mismas que se componen de las carteras de créditos que existen en los diferentes segmentos. El diseño de la investigación es cuantitativo bajo un tipo de investigación descriptiva, se aplicó la técnica de revisión documental y el método analítico. La información obtenida fue extraída de fuentes oficiales tales como la SEPS, la Junta de Regulación Monetaria Financiera, como también del Instituto de Economía Popular y Solidaria. Como resultado se determinó que la morosidad de cartera consolidada se redujo en el periodo de estudio. En función de la mejora continua, se propone un plan de acción dirigido al sector financiero popular y solidario enfocado a minimizar los índices de morosidad por medio de un plan preventivo de riesgo crediticio.
This research project focuses on the financial institutions attached to the popular and solidarity economy of the Ecuadorian territory, the purpose of the study is to know the behavior of the total portfolio delinquency in the study period, 2016 - 2019. Mainly taking into account the financial bulletins where the statistical information on the delinquency incidents was extracted, which are made up of the loan portfolios that exist in the different segments. The research design is quantitative under a descriptive type of research, the document review technique and the analytical method were applied. The information obtained was extracted from official sources such as the Superintendency of Popular and Solidarity Economy, the Monetary and Financial Policy and Regulation Board, as well as the Institute of Popular and Solidarity Economy. As a result, it was determined that the delinquency of the consolidated portfolio was reduced in the study period. Based on continuous improvement, an action plan is proposed aimed at the popular and supportive financial sector focused on minimizing delinquency rates through a credit risk preventive plan.
This research project focuses on the financial institutions attached to the popular and solidarity economy of the Ecuadorian territory, the purpose of the study is to know the behavior of the total portfolio delinquency in the study period, 2016 - 2019. Mainly taking into account the financial bulletins where the statistical information on the delinquency incidents was extracted, which are made up of the loan portfolios that exist in the different segments. The research design is quantitative under a descriptive type of research, the document review technique and the analytical method were applied. The information obtained was extracted from official sources such as the Superintendency of Popular and Solidarity Economy, the Monetary and Financial Policy and Regulation Board, as well as the Institute of Popular and Solidarity Economy. As a result, it was determined that the delinquency of the consolidated portfolio was reduced in the study period. Based on continuous improvement, an action plan is proposed aimed at the popular and supportive financial sector focused on minimizing delinquency rates through a credit risk preventive plan.
Descripción
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Palabras clave
MOROSIDAD, ECONOMÍA POPULAR Y SOLIDARIA, CARTERA DE CRÉDITO, SECTOR FINANCIERO POPULAR Y SOLIDARIO
Citación
APA