Análisis del comportamiento de la morosidad y su incidencia en los indicadores financieros de la Cooperativa de Ahorro y Crédito Chibuleo de la ciudad Ambato provincia de Tungurahua de los periodos 2015 -2019

Abstract

Abstract: This qualification work was developed with the objective of analyzing the behavior of delinquency and its incidence in the financial indicators of the Chibuleo Savings and Credit Cooperative of the city of Ambato, Tungurahua province for the periods 2015-2018, for which developed a bibliographic review on the variables under study, in addition to compiling information regarding the cooperative under study. The applied methodology was mixed qualitative and quantitative with a field investigation to obtain data that met the objectives, on the one hand, using a correlation and, on the other, in order to know the process followed to grant credits, it was carried out with the descriptive method. . Among the main results are the delinquency indicator has a direct impact on the financial results of the Cooperativa de Ahorro y Crédito Chibuleo Ltda., Since, by not being able to recover the resources placed, the income is reduced in the organization, that is, the higher the delinquency indicator, the lower the income received.