La gestión de la cartera vencida y su impacto en la rentabilidad de la Dirección Provincial IESS Tungurahua

Abstract

The disadvantages of financing faced by dependent socioeconomic companies, including public hospitals, are the results of frequent changes in laws such as subsidized regime administrations, decrees, and problems in the flow of resources led to high rates of overdue loans and poor rotations, the Instituto Ecuatoriano de Seguridad Social has been having a high level of past due loans, it is a fundamental factor that affects profitability. In the purely financial contour of the Institution, it reveals its deficiencies in the management of the Management model for the collection of overdue portfolio due to employer default, for which reason this forces the institution to carry out a restructuring, the Institution's problems came from the obsolete management of the management model for the recovery of the employer's default, which led the institution to have minimal returns because of an impressive past due portfolio in employer default, which directly influences the decrease in the profitability of the institution, the crisis in the Ecuador has been caused by factors such as an inadequate investment system, economic recession worldwide, constant reduced price of oil, the institution perceiving the need to reduce the level of past due loans, has seen the need to implement how to improve the framework legal, cancellation of interests, hiring of external lawyers, among others, log To encourage employers to pay immediately for unpaid contributions. For this, we will analyze through the multinomial logistic model the probability of recovery of the portfolio of the different management systems of the areas aimed at the recovery of overdue loans at the Institution.