Efectos de la pandemia de COVID-19 sobre la morosidad del crédito productivo en las cooperativas de ahorro y crédito del segmento uno del cantón Cuenca

Abstract

Due to the worldwide devastation caused by COVID-19, the research work focuses on the analysis of the delinquency rate of the productive credit of the Savings and Credit Cooperatives of segment one with headquarters in the city of Cuenca before and after the confinement caused by the pandemic. A descriptive analysis of the information of the cooperative system and of the group of entities under study is carried out and a panel data regression model with dichotomous variables is developed. It is concluded that COVID-19 had a negative effect on the productive credit delinquency rate of the analyzed entities. Using graphs and trend lines, evidence is provided on the negative effect that COVID-19 had, and the ineffectiveness of the mitigation measures that were proposed.