La cartera de crédito virtual y su incidencia en la rentabilidad del sistema financiero del Ecuador en el periodo 2015 - 2019

Abstract

Abstract: Credit Unions manage member savings and provide affordable credit services. In this process, they have drawbacks that affect their performance. Previously, no study evaluated the actions of these cooperatives and even less of the BIESS. This research was established to fill this gap. A cross-sectional research design was used in data collection. Also a multi-stage sampling technique. The data was collected through interviews and documentary review, analyzed through the perception of the partners, numerical data, profitability indices, tables and linear regression models. Comparisons with BIESS standards and a comparison with the National Police Cooperative were used. The perceptions of the Logit indicators show that CPN is achieving a high performance in terms of consumer loans, portfolio recovery, achieved a high performance in terms of net surplus; profitability and loan portfolio ratios. On the other hand, in the BIES it was observed that it is not working well in terms of the amount of credits from the members.