Análisis de las líneas de crédito y garantías exigidas por las Cooperativas de Ahorro y Crédito en la ciudad de Quito período 2018.

Abstract

Abstract:Access to credit is a dynamic axis of the economy, since it satisfies the need for monetary resources for the acquisition of goods and services for consumption or for productive activities. However, not all people have access to these sources of financing, due to the different guarantees requested to ensure their payment, which correspond to the type of credit requested. That is why the required collaterals and loan placements of Cooperativa 29 de Octubre and Andalucía Cía. Ltda. Both belonging to segment 1 in the city of Quito. Likewise, information was collected through the application of a survey to the members and a questionnaire to the officials of said institutions, after which it was concluded that both cooperatives present similar guarantees in consumer loans and microcredits, but it is the cooperative 29 of October, the one with the highest delinquency rates due to qualification and collection deficiencies. While in real estate loans, the Andalusian cooperative has lower delinquency rates due to the requirement of greater guarantees.