Análisis de la problemática que atraviesan las cooperativas de ahorro y crédito del segmento 3 en el periodo 2020-2021 por efecto de la pandemia

Abstract

The present analysis has the purpose to determine through the deductive method and theoretical justification the current situation that the Association of Savings and Credits from the Third Segment is going through after the Covid-19 Pandemic. Changing the economic sector and leaving negative effects on our economy, the Politics and Regulations Monetary Finance group, developed mandatory norms for the finance sector, which after an analysis made with the information provided by the association of the Third Segment, confirms that the new normative helped sustain the economic and financial position for the COACs from the Third Segment during 2020 and 2021, achieving similar historic debt through; Delay aging of the wallet in 60 days, refinancing, restructuring and reprogramming the wallet until December 2021. These political decisions achieve their purpose including; stability, confidence in the population, financial certainty, and allowing the associations to fulfill the required percentages for their functioning. The analysis of the results presented in this investigation showed that even the current results surpassed those from 2019 due to the effect that the compounded interest had during this period Nonetheless, it is necessary to mention that the stability gained during the periods of 2020-2021 deteriorated in the first semester of 2022 due to the increment in customers' debt/loans that had an inadequate procedure for an opportune payment that merged down the result of the indicators.