Análisis del riesgo-rendimiento con el modelo beta en las Cooperativas de Ahorro y Crédito (COAC´s) del segmento 1 de la ciudad de Quito posterior a la implementación del Código Orgánico Monetario y Financiero (COMF) periodo 2015-2018

Abstract

The implementation and Financial of the Organic Code from the year 2015, generate different types of reactions in sector of the equatorial economy especially in the sector of the Insurances and of the Cooperatives of saving and credit, the above mentioned presented a segmentation and categorization different which handled previously focused especially by a growth in his total of assets provoking a dynamization especially in the COAC's that they wanted to support and to continue taking advantage of the advantages of development and growth that offers forms a part of. each segment 1. This change provoke that the institutions initiate from the year of application of the law a rigorous increase in his assets especially in the credit placement, which for ende develops in parallel strategies of captures leaving a side often the control of other implicit variables in this operability of intermediation as the delinquency of the portfolio and liquidity and likewise focused to improving his performances since there were realized investments that must throw good results. It is so the offer to analyze this behavior in the cooperative sector as an indicator of Comparable Thread helps to visualize the future panorama of the risk - performance of the cooperatives analyzed opposite to his market where they develop, by means of summary of information delivered by the SEPS