INCIDENCIA DE LA MOROSIDAD EN LA CARTERA DE MICROCRÉDITOS Y CARTERA DE CONSUMOS DE LA COOPERATIVA DE AHORRO Y CRÉDITO ANDINA LTDA.

Abstract

This document presents an analysis of the Andean Savings and Credit Cooperative Ltd., highlighting the impact of delinquency on its microcredit and consumer portfolios. This cooperative, active since 2007, has grown significantly, supporting financial inclusion in Ecuador. However, it faces high levels of delinquency, particularly in microcredit, which negatively impacts its financial sustainability. Opportunities are identified to optimize the management of these portfolios through a proactive approach to credit assessment and monitoring, the implementation of debt collection technologies, and member financial education. The use of a linear regression model reveals that past-due loans increase delinquency, highlighting the need for integrated policies and differentiated strategies for their management. It is recommended that staff training be strengthened and an advanced monitoring system be adopted to anticipate problems and foster a culture of payment. This could improve member relations, ensuring the cooperative's long-term growth and stability.