Análisis de la incidencia de la ejecución de acuerdos de pago durante el año 2021 en la cartera vencida de Mutualista de Ahorro y Crédito para la Vivienda Pichincha, segmentos Consumo y Vivienda

Abstract

Abstract:Payment agreements in financial institutions facilitate debt compliance through flexible conditions. The Mutualista de Ahorro y Crédito Pichincha implemented this strategy to recover overdue loans in the consumer and housing segments, affected by the COVID-19 economic crisis. This study analyzes the effectiveness of these agreements during 2021 and their impact on the recovery of overdue loans. The research, of a descriptive and analytical nature, focused on the agreements signed in 2021. The results showed an effectiveness of 65.4%, with a significant positive impact on the recovery of loans. Quito, Latacunga and Manta stood out in the recovery of loans, demonstrating that payment agreements are effective tools for both clients and the institution. The implementation of these agreements allowed the regularization of more than 50% of the overdue portfolio, demonstrating its viability and benefits for the financial stability of Mutualista Pichincha. In addition, a significant decrease in delinquency was achieved, improving the relationship with clients and strengthening trust in the entity.