El impacto de la morosidad en las cooperativas de ahorro y crédito del Ecuador en los periodos 2019-2020.

Abstract

Introduction. The financial relationship of the total delinquency of the portfolio of 20 Savings and Credit Cooperatives of the financial sector of Ecuador and the current situation that exists after the health emergency, is of great economic relevance. Aim. Measure the level of delinquency for the years 2019-2020, by collecting qualitative data, to determine the degree of economic impact due to the pandemic. Materials and methods: this research has a quantitative explanatory approach, where the financial information obtained from different sources was compiled, including the Superintendency of Popular and Solidarity Economy, to carry out an analysis of the current economic situation, through formulas are intended to assess the incidence of the pandemic on customer delinquency. Results. During the period of 2019 and 2020 there were major changes that affected the delinquency rates, one of the possible causes is Covid-19. Conclution. Default increased due to the fact that the debtor did not have sufficient income to pay off the debts that they maintained in the Savings and Credit Cooperatives.