Riesgo Crediticio en las Cooperativas del Segmento 1 de Ecuador, Periodo 2022-2023

Abstract

Abstract: The general objective of this study is to analyze credit risk in segment 1 cooperatives during the period 2022-2023. It was carried out using a documentary methodology, with a non-experimental design because financial information was taken from segment 1 cooperatives. In addition, the research was descriptive with a quantitative approach that consisted of analyzing and interpreting the delinquency of the credit portfolio and financial indicators. The population was 45 COACs that made up segment 1 in the study periods. On the other hand, the most relevant results within the portfolio classification, those that reflect a higher delinquency rate, are microcredit, and consumer portfolios, this derived from regulatory changes and external factors. Regarding the indicators of financial intermediation, solvency and liquidity, they showed a minimum positive growth, demonstrating that they have the resources to meet their short-term obligations, and financial intermediation indicates greater efficiency in the placement of the resources raised, demonstrating the adaptability of this segment of cooperatives to maintain financial stability.