Efectos de la pandemia por Covid-19 en cooperativas de ahorro y crédito: estudio de caso
The objective of this study is to explore the effects of the Covid-19 pandemic on the portfolio of a saving and credit cooperative in Portoviejo, Ecuador, and to identify factors associated with the probability of reporting slowness. The literature addressing the effects of the pandemic on financial...
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2022
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| Online Access: | https://dialnet.unirioja.es/servlet/oaiart?codigo=8599491 |
| Source: | Cooperativismo y Desarrollo: COODES, ISSN 2310-340X, Vol. 10, Nº. 2, 2022 (Ejemplar dedicado a: mayo-agosto), pags. 366-382 |
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Cooperativismo y Desarrollo: COODES, ISSN 2310-340X, Vol. 10, Nº. 2, 2022 (Ejemplar dedicado a: mayo-agosto), pags. 366-382
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Covid-19
credit portfolio saving and credit cooperatives slowness logistic regression Covid-19 cartera de crédito cooperativas de ahorro y crédito morosidad regresión logística Covid-19 carteira de crédito cooperativas de crédito descumprimento regressão logística |
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Covid-19
credit portfolio saving and credit cooperatives slowness logistic regression Covid-19 cartera de crédito cooperativas de ahorro y crédito morosidad regresión logística Covid-19 carteira de crédito cooperativas de crédito descumprimento regressão logística Macías Sornoza, Esther Andrea Loor Colamarco, Ignacio Efectos de la pandemia por Covid-19 en cooperativas de ahorro y crédito: estudio de caso |
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The objective of this study is to explore the effects of the Covid-19 pandemic on the portfolio of a saving and credit cooperative in Portoviejo, Ecuador, and to identify factors associated with the probability of reporting slowness. The literature addressing the effects of the pandemic on financial institutions has focused primarily on the rapid digitization of the industry and, geographically, in developed countries. To date, little literature has reported on the effect of the pandemic on saving and credit cooperatives in developing countries. A case study was designed with mixed-methods, combining regulatory content and cooperatives reports with a sample database of credit transactions between January 2019 and December 2021, and the data were analyzed using hypothesis testing and regression analysis. The variables that were best associated with the likelihood of a borrower reporting late payments are the amount of the credit, the time the credit was extended whether before or after the onset of the pandemic, and the sex of the borrowing member. The results can inform new experimental studies that will provide a deeper understanding of what works and what does not work for credit cooperatives during periods of crisis.
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Article
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| author |
Macías Sornoza, Esther Andrea
Loor Colamarco, Ignacio |
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Macías Sornoza, Esther Andrea
Loor Colamarco, Ignacio |
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Macías Sornoza, Esther Andrea
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| title |
Efectos de la pandemia por Covid-19 en cooperativas de ahorro y crédito: estudio de caso
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| title_short |
Efectos de la pandemia por Covid-19 en cooperativas de ahorro y crédito: estudio de caso
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| title_full |
Efectos de la pandemia por Covid-19 en cooperativas de ahorro y crédito: estudio de caso
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| title_fullStr |
Efectos de la pandemia por Covid-19 en cooperativas de ahorro y crédito: estudio de caso
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| title_full_unstemmed |
Efectos de la pandemia por Covid-19 en cooperativas de ahorro y crédito: estudio de caso
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| title_sort |
efectos de la pandemia por covid-19 en cooperativas de ahorro y crédito: estudio de caso
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| publishDate |
2022
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https://dialnet.unirioja.es/servlet/oaiart?codigo=8599491
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1746694605537017856
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dialnet-ar-18-ART00015483022022-10-12Efectos de la pandemia por Covid-19 en cooperativas de ahorro y crédito: estudio de casoMacías Sornoza, Esther AndreaLoor Colamarco, IgnacioCovid-19credit portfoliosaving and credit cooperativesslownesslogistic regressionCovid-19cartera de créditocooperativas de ahorro y créditomorosidadregresión logísticaCovid-19carteira de créditocooperativas de créditodescumprimentoregressão logísticaThe objective of this study is to explore the effects of the Covid-19 pandemic on the portfolio of a saving and credit cooperative in Portoviejo, Ecuador, and to identify factors associated with the probability of reporting slowness. The literature addressing the effects of the pandemic on financial institutions has focused primarily on the rapid digitization of the industry and, geographically, in developed countries. To date, little literature has reported on the effect of the pandemic on saving and credit cooperatives in developing countries. A case study was designed with mixed-methods, combining regulatory content and cooperatives reports with a sample database of credit transactions between January 2019 and December 2021, and the data were analyzed using hypothesis testing and regression analysis. The variables that were best associated with the likelihood of a borrower reporting late payments are the amount of the credit, the time the credit was extended whether before or after the onset of the pandemic, and the sex of the borrowing member. The results can inform new experimental studies that will provide a deeper understanding of what works and what does not work for credit cooperatives during periods of crisis.O objetivo deste estudo é explorar os efeitos da pandemia de Covid-19 na carteira de uma cooperativa de crédito em Portoviejo, Equador, e identificar fatores associados com a perspectiva de informar a descumprimento. A literatura que aborda os efeitos da pandemia nas instituições financeiras concentrou-se principalmente na rápida digitalização da indústria e, geograficamente, nos países desenvolvidos. Até o momento, pouca literatura relatou o efeito da pandemia sobre as cooperativas de crédito nos países em desenvolvimento. Foi projetado um estudo de caso de métodos mistos, combinando conteúdo regulador e relatórios das cooperativas de crédito com um banco de dados de mostras de transações de crédito entre janeiro de 2019 e dezembro de 2021 e analisando os dados usando teste de hipóteses e análise de regressão. As variáveis que estavam mais bem associadas à probabilidade de um mutuário declarar atrasos foram o valor do empréstimo, o momento do empréstimo antes ou depois do início da pandemia, e o sexo do membro mutuário. Os resultados podem informar outros estudos experimentais para entender mais profundamente o que funciona e o que não funciona para as cooperativas de crédito durante os períodos de crise.El objetivo de este estudio es explorar los efectos de la pandemia por Covid-19 en la cartera de una cooperativa de ahorro y crédito en Portoviejo, Ecuador, e identificar factores asociados con la probabilidad de reportar morosidad. La literatura que aborda los efectos de la pandemia en las instituciones financieras se ha concentrado, primordialmente, en la rápida digitalización de la industria y, geográficamente, en países desarrollados. A la fecha, poco es lo que la literatura ha reportado sobre el efecto de la pandemia en cooperativas de ahorro y crédito en países en desarrollo. Se diseñó un estudio de caso con métodos mixtos, que combina contenidos de normativas y reportes de la cooperativa con una muestra de la base de datos de transacciones de crédito entre enero del 2019 y diciembre del 2021 y se analizaron los datos mediante comprobación de hipótesis y análisis de regresión. Las variables que mejor se asociaron con la probabilidad de que un deudor reporte atraso en sus pagos son el monto del crédito, el momento que se otorgó el crédito si antes o después del inicio de la pandemia, y el sexo del socio deudor. Los resultados pueden informar nuevos estudios experimentales que permitan entender con mayor profundidad lo que funciona y lo que no funciona para las cooperativas de ahorro y crédito durante períodos de crisis.2022text (article)application/pdfhttps://dialnet.unirioja.es/servlet/oaiart?codigo=8599491(Revista) ISSN 2310-340XCooperativismo y Desarrollo: COODES, ISSN 2310-340X, Vol. 10, Nº. 2, 2022 (Ejemplar dedicado a: mayo-agosto), pags. 366-382spaLICENCIA DE USO: Los documentos a texto completo incluidos en Dialnet son de acceso libre y propiedad de sus autores y/o editores. Por tanto, cualquier acto de reproducción, distribución, comunicación pública y/o transformación total o parcial requiere el consentimiento expreso y escrito de aquéllos. Cualquier enlace al texto completo de estos documentos deberá hacerse a través de la URL oficial de éstos en Dialnet. 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