El crecimiento económico y la vulnerabilidad patrimonial en las cooperativas de ahorro y crédito, segmento 1 en el Ecuador

Abstract

The objective of this study is to determine the existing dependency relations between the patrimonial vulnerability of the savings and credit cooperatives of segment 1 in Ecuador and the economic growth in the country. It is intended to make a description of the rates of variation of GDP over the period 2011-2016, analyze the conditions of heritage vulnerability of savings and credit cooperatives and explain the conditions of vulnerability of credit and savings cooperatives of segment 1 in Ecuador with the economic growth of the country. A linear regression analysis was performed among the variables heritage vulnerability based on the GDP growth rate. The model is subjected to a suitability analysis through statistical tests of non-linearity, specification of Ramsey's RESET, White's Heteroskedasticity, Breusch-Godfrey's Autocorrelation and Jarque-Bera's normality. The existence of a relationship between the patrimonial vulnerability of the savings and credit cooperatives in segment 1 in Ecuador and economic growth was determined, as a p-value of the estimator of the significant GDP variation rates and a high explanation percentage were evidenced. of the linear regression model.