Diseño metodológico para minimizar el riesgo crediticio. Caso Cooperativa Educadores del Azuay Ltda.

Abstract

This degree work develops a methodological design to minimize credit risk through the analysis of credit operations based on a scoring model. This methodology analyzes those statistically significant socioeconomic variables that influence the probability of default of the borrowers. This is generated through a logistic regression model. In order to determine these parameters, a database of credits generated by the Cooperativa de Ahorro y Crédito Educadores del Azuay Ltda. from January 2017 to December 2019 was used. The results show that there are predictive variables that significantly influence generating a possible credit default. its ex ante treatment would help significantly to control the level of arrears. These variables are: Amount, Gender Male, Collateral Cash Guarantee, Family Responsibilities from 1 to 3, Retired activity, Income level and Score.