Diagnostico de la eficiencia en los procesos de gestión de cartera y crédito del sistema cooperativo ecuatoriano, segmento 2 período 2015-2019
Fecha
2020-10
Título de la revista
ISSN de la revista
Título del volumen
Editor
Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
El nivel de liquidez se presenta como uno de los mayores problemas a los que se enfrenta
una entidad financiera, la misma se refiere a la incapacidad de estas organizaciones para
hacer frente a sus obligaciones en el corto plazo, lo cual se relaciona directamente con la
eficiencia en los procesos de gestión de crédito y recuperación de la cartera.
El presente estudio analiza la eficiencia en los procesos de gestión de cartera y crédito del
sistema cooperativo ecuatoriano del segmento 2 en el periodo 2015-2019.
El enfoque de la presente investigación es mixto, cualitativo-cuantitativo, con alcances de
tipo descriptivo, histórico y documental, de tal manera de describir las principales
características del fenómeno estudiado.
Los resultados indican que las instituciones del sistema cooperativo del segmento 2
presentan indicadores menos eficientes, en morosidad, intermediación financiera, liquidez,
y vulnerabilidad de patrimonio con respecto al segmento 1. Los factores que inciden en este
resultado se relacionan al uso ineficiente de las tecnologías de la información en los servicios
que brindan, la gestión de su cartera de crédito, la poca transparencia en la estructura de sus
costos y las deficiencias en la colocación de créditos en los diferentes sectores productivos
The level of liquidity is presented as one of the biggest problems faced by a financial institution, it refers to the inability of these organizations to meet their obligations in the short term, which is directly related to efficiency in the processes of credit management and portfolio recovery. This study will analyze the efficiency in the portfolio and credit management processes of the Ecuadorian cooperative system of segment 2 in the period 2015-2019. The approach of this research is mixed, qualitative-quantitative, with descriptive, historical and documentary scopes, in such a way as to describe the main characteristics of the phenomenon studied. The results indicate that the institutions of the cooperative system of segment 2 present less efficient indicators, in morosity, financial intermediation, liquidity, and equity vulnerability with respect to segment 1. The factors that influence this result are related to the inefficient use of technologies information on the services they provide, the management of their credit portfolio, the lack of transparency in the structure of their costs and the deficiencies in the placement of credits in the different productive sectors
The level of liquidity is presented as one of the biggest problems faced by a financial institution, it refers to the inability of these organizations to meet their obligations in the short term, which is directly related to efficiency in the processes of credit management and portfolio recovery. This study will analyze the efficiency in the portfolio and credit management processes of the Ecuadorian cooperative system of segment 2 in the period 2015-2019. The approach of this research is mixed, qualitative-quantitative, with descriptive, historical and documentary scopes, in such a way as to describe the main characteristics of the phenomenon studied. The results indicate that the institutions of the cooperative system of segment 2 present less efficient indicators, in morosity, financial intermediation, liquidity, and equity vulnerability with respect to segment 1. The factors that influence this result are related to the inefficient use of technologies information on the services they provide, the management of their credit portfolio, the lack of transparency in the structure of their costs and the deficiencies in the placement of credits in the different productive sectors
Descripción
PDF
Palabras clave
COOPERATIVISMO, DESARROLLO LOCAL, CRÉDITO, SECTOR FINANCIERO
Citación
APA