Economía

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Author: search.filters.author.Patiño Cevallos, Ana BelénSubject: search.filters.subject.MICROCRÉDITO

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    La cartera de microcrédito y la rentabilidad de las mutualistas en Ecuador
    (2024-11) Patiño Cevallos, Ana Belén; DT - López Solís, Oscar Patricio
    This research focuses on the study of mutual funds, since they represent an important part of the financial system, and their performance directly affects the stability and reliability of the sector. Therefore, understanding how the performance of their microcredit portfolio affects their profitability is essential to make informed decisions and create a solid and stable financial system. In recent years, access to credit has been a key factor for the economic and social development of developing countries. In this sense, microcredits have emerged as a fundamental tool to support entrepreneurs and small business owners in obtaining financing, thus promoting job creation and economic growth. The objectives of the research focus on the evolutionary analysis of the microcredit portfolio in Ecuadorian mutual funds, as well as identifying the factors that determine the profitability of Ecuadorian mutual funds in relation to the microcredit portfolio, and, finally, estimating the most stable relationship between the quality of the microcredit portfolio and the profitability of the entities. In order to meet these objectives, descriptive and explanatory techniques will be applied, which consist of a detailed description of the information based on contingency tables and basic statistics. In accordance with the explanatory analysis, techniques were applied to measure the relationship of the variables and the most stable estimate of each of the variables in relation to microcredit. The results obtained indicate that all these analyses suggest that there is a statistically significant relationship between profitability and the microcredit portfolio for Ecuadorian mutual funds during the period. Likewise, it was shown that 82.14% of the variables are positively correlated with each other, taking into account the correlation between available funds and the microcredit portfolio. These results indicate that it becomes crucial to monitor the relationship between income and the microcredit portfolio, since an increase in income could reduce the number of microcredits offered