Relación de rentabilidad con la gestión de riesgo del crédito de la cooperativa de ahorro y crédito CACPE Biblián Ltda. período 2006 – 2016

Abstract:

The present end-of-degree work refers to the profitability relationship with the cbkp_redit risk management of the savings in the cbkp_redit cooperative CACPE Biblián Ltda during the period 2006 - 2016. For the development of the research, the data have been analyzed with a quantitative, qualitative, correlation and association methodology between the variables. Past due portfolio in financial institutions is the main cause that causes them not to have the necessary resources to provide attention and fulfillment to the needs of the clients, which generates the respective evaluation of the financial indicators of the entity, and to determine the relationship between profitability and cbkp_redit risk management. In the analysis carried out, it is determined that there is a moderate negative correlation between cbkp_redit risk and profitability. According to the multiple regression developed with the ROE and ROA variables with respect to cbkp_redit risk for the analysis period from 2006 to 2016, it is determined that the variables are significant, which means that the model used is valid, the results are consistent because the greater the unproductive portfolio, the lower will be the results of cbkp_redit risk. The evaluation presents the cooperative of the financial entities of segment one of the popular and solidarity economy as the most efficient and solid in its management, since the profitability and liquidity levels reflect the correct management of its resources

Año de publicación:

2018

Keywords:

• Gestión De Riesgos
• Magíster en gestión financiera – Tesis y disertaciones académicas
• Bancos cooperativos – Evaluación – Ecuador
• Economía financiera – Ecuador

Fuente:

rraae