Evaluación de la colocación de Productos Financieros (microcréditos) y la sostenibilidad financiera de las cooperativas de ahorro y crédito segmento 1, de la zona centro del Ecuador, año 2020.

Abstract

The purpose of this research is to analyze the financial products and services, especially the financial sustainability of microcredit in credit unions in the central zone of Ecuador, in the year 2020. The success of Savings and Credit Cooperatives (SACCOs) depends on the financial strategies that their leaders use to make them sustainable over time. The compilation of good financial practices on the structure and through exploratory research of bulletins of the Superintendencia de Economía, Popular y Solidaria (SEPS) it has been determined whether they are sustainable or not. Financial institutions, especially savings and credit cooperatives, play a fundamental role in the implementation of financial sustainability through the practice of asset quality, portfolio yield, delinquency rates, and coverage of provisions for nonperforming loans, financial intermediation, profitability, and financial solvency. This research will allow an analysis of the relationship between microcredits and the sustainable development of the popular and solidarity economy in the central zone of the country; therefore, it has determined that the economic-financial aspect is the main priority for these entities, due to the control and supervision to which they are subject.