Análisis del impacto de la pandemia en la cartera de microcrédito de la Cooperativa Alfonso Jaramillo León CAJA dentro del periodo 2020-2021

Abstract

Abstract: The global pandemic of COVID-19 has generated significant impacts on various economic sectors worldwide, including the financial sector, where effects on the portfolio and financial indicators have also been observed. The objective of this research is to analyze the impact of the pandemic on the microcredit portfolio of Cooperativa de Ahorro y Crédito Alfonso Jaramillo León during the period 2020-2021. This cooperative, headquartered in the city of Cuenca, experienced a generalized increase in delinquency levels during the year 2021 compared to the previous year. Using inferential statistical analysis, we examined the correlation between the age of members, their income and the amount of microloans granted, as well as the days of delinquency associated with these operations during the period studied. The results revealed that these variables are considered relatively independent of each other. In other words, the age of the members and their income do not play a determining role in the allocation of microloan amounts, showing that the pandemic had negative effects on the microloan portfolio.