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    Cartera de cr茅dito y su incidencia sobre la liquidez de las COACs del Segmento 2

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    The portfolio analysis focuses its attention on the behavior of the operations of same credit that contribute to obtaining precise information on liquidity levels that the institutions own as a result of the financial obligations contracted by the partners. In In this sense, in the present investigation, two variables are linked that have a connotation very important within the economic development of savings and credit cooperatives at the national level local and global, with the objective of analyzing the incidence of portfolio behavior of credit on the liquidity of the segment 2 COACs located in the city of Loja, through the application of financial indicators. As a methodology, this research had a mixed approach, the same one that allowed collecting the database, analyzing it and determining portfolio behavior through a horizontal analysis, official data were also used of the SEPS page to apply the corresponding liquidity and profitability indicators to the PERLAS system, the same one that allowed knowing the liquidity levels of the COACs studied and in turn obtain the correlation model of the variables. As for the main results it was found that the correlation matrix shows a strength of relationship inversely, in such a way that it can be established that as the amount of the credit portfolio increases, liquidity tends to decrease showing that a good level of placement in the COACs under study.El an谩lisis de cartera focaliza su atenci贸n en el comportamiento de las operaciones de cr茅dito mismas que contribuyen a obtener informaci贸n precisa sobre niveles de liquidez que poseen las instituciones producto de las obligaciones financieras contra铆das por los socios. En este sentido en la presente investigaci贸n se vinculan dos variables que tienen una connotaci贸n muy importante dentro del desarrollo econ贸mico de cooperativas de ahorro y cr茅dito a nivel local y mundial, teniendo como objetivo analizar la incidencia del comportamiento de cartera de cr茅dito sobre la liquidez de las COACs del segmento 2 ubicadas en la ciudad de Loja, mediante la aplicaci贸n de indicadores financieros. Como metodolog铆a esta investigaci贸n tuvo un enfoque mixto, el mismo que permiti贸 recolectar la base de datos, analizarla y determinar comportamiento de cartera mediante un an谩lisis horizontal, adem谩s se utilizaron datos oficiales de la p谩gina de la SEPS para aplicar los indicadores de liquidez y rentabilidad correspondientes al sistema PERLAS el mismo que permiti贸 conocer los niveles de liquidez de las COACs estudiadas y su vez obtener el modelo de correlaci贸n de las variables. En cuanto a los principales resultados se encontr贸 que la matriz de correlaci贸n arroja una fuerza de relaci贸n inversa, de manera que se puede establecer que a medida que el monto de cartera de cr茅dito incrementa, la liquidez tiende a disminuir mostrando que se mantiene un buen nivel de colocaci贸n en las COACs objeto de estudio
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