El desempeño de las Cooperativas de Ahorro y Crédito en el Ecuador en el periodo 2019-2022.

Abstract

The economic crisis caused by the COVID-19 disease caused serious havoc in world development, since the confinement was taken as a preventive measure to stop the spread of the virus, which led to the closure of premises, unemployment, loss of exports, affecting the national Gross Domestic Product and thus putting the world economy in check. In this sense, world authorities and organizations made different decisions in order to provide financial relief for the consequences of the SARS-CoV- 2 virus. The financial entities of the cooperative sector have been considered by the partners as a wild card for economic reactivation due to the various strategies proposed. In the present study, indicators such as: financial intermediation, liquidity, delinquency, ROA and ROE are analyzed with data obtained from the Superintendency of Popular and Solidarity Economy, the entity that regulates the cooperative system, In addition, through surveys, the perception of the partners of the humanitarian support law issued by the National Government in 2020 for the restructuring and refinancing of credits is studied, as well as the evolution of the economic reactivation during the years 2019-2022.