Impacto del Covid-19 en la colocación de las operaciones de crédito en la Cooperativa de Ahorro y Crédito Jardín Azuayo en las sucursales de la ciudad de Cuenca, periodo 2020 y 2021

Abstract

Abstract: In March 2020, the national government of Ecuador declared a state of exception due to a global pandemic, suspending all activities at the national level, triggering a change in the country's economic system, emerging in different sectors, such as the financial. Consequently, the present work reports the results of the impact of COVID 19 on the placement of credit operations in the COAC Jardín Azuayo in the branches of the city of Cuenca, during the period 2020-2021. The analysis was performed using descriptive statistics and Pearson's r-statistical method, which allows knowing the degree of association between variables. Finally, it was obtained that the greatest impact occurred in the amounts of the credits, because said amounts decreased significantly in relation to the year 2019. On the other hand, the days of arrears decreased in the year 2020, and increased in 2021. Finally, it was shown that the number of credits granted correlates directly and positively with the income and age of the partners.