Análisis de la estructura de capital y la rentabilidad del sistema financiero privado de la ciudad de Loja durante los años 2015-2020

Abstract

Abstract: The Financial System allows to boost the economy by capturing the surplus of money from the public and the provision of the same, it is important to highlight its importance, it grants economic resources to enhance employment and improve the quality of life of the community in this sense it is important to evaluate the structure of capital and the profitability of the private financial system in the City of Loja, during the years 2015-2020; Therefore, a descriptive, non experimental research was developed; addressed to 13 private banks in the city of Loja. The application of financial indicators revealed that the solvency index reaches an average of 10.25%; there is a high delinquency rate with an average of 5.37%, mainly due to microcredit. Regarding the total average level of profitability of private banks, it was 9.73%, indicating that the necessary resources are being generated to cover what the shareholders invested. The financial entities under study do not present liquidity problems in terms of the funds available on obligations to the public, which presents an average percentage of 24.47%.