Browsing by Author "Laica Jaya, Evelyn Fernanda"

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    “Análisis del riesgo crediticio de la cartera vencida microcrédito de la Cooperativa Santa Rosa de Patutan provincia Cotopaxi cantón Latacunga periodo 2021-2022”
    (Ecuador : Latacunga : Universidad Técnica de Cotopaxi (UTC), 2024-08) Laica Jaya, Evelyn Fernanda; Benavides Jiménez, Yesseña del Pilar; Razo Ascazubi, Clara de las Mercedes
    The management of credit risk in the overdue microcredit portfolio of the Santa Rosa de Patután Savings and Credit Cooperative, Cotopaxi Province, Latacunga Canton, during the period 2021-2022, aims to analyze the credit risk associated with the overdue portfolio. of microcredit. The research is based on epistemic theories of credit risk management and financial evaluation models, highlighting the importance of the cooperative in economic and social development. Delinquency is addressed as a critical indicator of financial stability, it has a quantitative approach and uses a field research modality, collecting primary data directly from the entity. Additionally, documentary bibliographic research was used to extract data from reliable sources. A correlational investigation was carried out to relate the periods 2021 and 2022, the results show a decrease in microcredit delinquency, with a rate of 3,82% in 2021 and 2,52% in 2022. This downward trend suggests an improvement in management credit or an increase in the active portfolio, the reduction in delinquencies indicates more efficient management of the overdue portfolio. Factors such as the implementation of better credit practices and rigorous payment monitoring contributed to this improvement. However, it is crucial to continue strengthening these practices to maintain and improve this trend. In conclusion, the Santa Rosa de Patután Cooperative has demonstrated effective credit risk management in its microcredit portfolio, reflected in the decrease in delinquencies. Even so, it is necessary to implement continuous strategies to optimize these indicators. It is recommended to use the CAMEL (Capital, Asset Quality, Profitability, Liquidity) method to improve the efficiency of non-performing portfolio management and ensure long-term financial stability.