Análisis de la variación en la cartera de microcréditos otorgados por las cooperativas de ahorro y crédito del segmento 2, en Ecuador correspondiente al periodo 2018-2019, de acuerdo a lo indicado en la resolución No. 043-2015-F que contiene las normas que regulan la segmentación de la cartera de créditos de las entidades del sistema financiero nacional

Abstract

The present investigation carried out to analyze the variation in the microcredit portfolio granted by the Savings and Credit Cooperatives of segment 2, in Ecuador from 2018-2019, in accordance with Resolution No. 043-2015-F on credit segmentation, used for this purpose, the survey and analysis of financial information of the cooperatives to obtain key information that allows measuring said variations and the influence of the resolution on the results presented. The resolution gives the guidelines for the classification of credits, which is used to present the results of the SEPS by segment and by cooperative. There are different opinions on the influence of the Resolution on the variation of microcredits, however the demand for this type of credit is the main reason for its variations. In addition, the results show barriers such as guarantees and the credit bureau to access a microcredit, which undermines the purpose of this product.