Análisis comparativo de los determinantes de la morosidad de las Cooperativas de Ahorro y Crédito Gonzanamá de la provincia de Loja y Marcabelí Ltda. de la provincia de El Oro. Análisis basado en modelos econométricos, utilizando variables independientes únicas en cada entidad financiera años 2009-2014

Abstract

Abstract: The investigation work seeks to be a significant contribution to the Estructuras Financieras Locales Sociales y Solidarias of Sector Financiero Popular y Solidario, specifically this contribution has its applicability in two EFLs associated to the Red de Entidades Financieras Equitativas, considering some parameters like the one mounts of its assets, partners' number that locates them in the segment two of the Cooperativas de Ahorro y Crédito of SFPS, however at the moment under the resolution N°38 of Junta de Política y Regulación Monetaria y Financiera issued, would be locating them in the segment 4, these entities are the Cooperativas de Ahorro y Crédito Gonzanamá located in Loja, and Marcabelí Ltda. located in El Oro. Our focus is the analysis of the determinant of default of such entities, to the being this the most recurrent problem not alone at local level, national, and with more care in the SFPS. This analysis will depart from econometric models that will be applied to the entities, carrying out field trips, and management database in Excel, application of PERLAS and enforcement of regression models in Logit-Stata.