Análisis del comportamiento de la cartera de crédito y su incidencia en la liquidez de las cooperativas de ahorro y crédito del Segmento 3 ubicadas en la ciudad de Riobamba, Período 2018-2019.

Abstract

The purpose of this research is to identify the incidence of the behavior of the loan portfolio and the way in which liquidity affects the savings and loans cooperatives of the segment 3 located in the city of Riobamba, period 2018-2019; considering that it is necessary to know the way in which credits are granted to partners, and their recovery, since it is a quite frequent problem in financial institutions. The methodology used was framed in a non-experimental documentary research, based on data collection and analysis from the monthly bulletins of the Secretariat of Popular and Solidarity Economy that are published on the institution's website. In addition, it had a longitudinal design, whose purpose was to determine the trend and evolution of the loan portfolio and its relationship with liquidity of the Savings and Credit Cooperatives (SCCs) of Segment 3 located in the city of Riobamba. Among the main results of the analysis carried out, it was obtained that the loan portfolio of the SCCs in segment 3 of the city of Riobamba show a significant increase between the year 2018 and year 2019 with a variation in percentage terms of 17.67%, that is, an average of $ 1,733,560.37, while the liquidity of the Savings and Credit Cooperatives presents an average percentage variation of 1.36%, between both years. Therefore, it is necessary to establish policies and strategies that allow the portfolio to be recovered quickly and in a timely manner, positively influencing in the liquidity of the Savings and Credit Cooperatives of segment 3 of the city of Riobamba.