Análisis comparativo de los factores que incidieron en el crecimiento de la cartera de la Cooperativa de Ahorro y Crédito Juventud Ecuatoriana Progresista y sus competidores.

Abstract

To begin with, the research work consists of identifying the factors that generate the growth of the loan portfolio in the Financial Institutions of the credit union sector. In a comparative way between similar institutions, aspects of their composition and management are analyzed, in order to highlight the elements that lead to an efficient management of the portfolio; focusing mainly on policies, strategies, procedures, methods and even the application of material and human resources. Moreover, the purpose of this analysis is to know the factors that lead the growth of the Cooperativa Juventud Ecuatoriana Progresista and its competitors, in order to investigate the main characteristics of the field. In addition, this provides a quantitative-qualitative analysis of the behavior and growth of the portfolio, both in credit lines and in the defaulters rates and their financial indicators; factors that indicate the result achieved in productivity and profitability. In this way, it was evident that the structure of the credit portfolio is closely linked to the current legal base; that the main accounts of the financial institution studiedassets, equity and credit portfolio, position it first at the national level and in sixth position at the international level; that its credit policies, in its history. As a result, it has allowed it to grow exponentially during the period 2002 - 2017. Consequently, a proposal is presented that could add value to economic activity and determine the parameters of good financial health for this type of institutions.