Riesgo y sostenibilidad financiera en la cooperativa de ahorro y crédito Cooprogreso Ltda., período 2003 - 2024

Abstract

Abstract: This study analyzes the relationship between financial risk and financial sustainability at the Cooprogreso Savings and Credit Cooperative Ltda. between 2003 and 2024, considering variables such as delinquency, liquidity, and indebtedness. The study arises from the need to understand how financial risks affect the stability and performance of the Cooprogreso Savings and Credit Cooperative. The methodology adopted follows a quantitative approach with a descriptive and correlational scope, using financial information obtained from the Superintendency of Popular and Solidarity Economy (SEPS). The results indicate that effective financial risk management contributes significantly to the cooperative s sustainability by strengthening its operations and financial capacity in the face of adverse economic scenarios. Furthermore, the research provides valuable insights for the development of methods aimed at improving the efficiency and institutional stability of the Cooprogreso Savings and Credit Cooperative.