“Estudio de competitividad post covid de las Cooperativas de Ahorro y Crédito del segmento 1 en el cantón Riobamba, año 2021

Abstract

This research work was focused on a post-covid competitiveness study of Credit Unions of segment 1 in Riobamba canton to find out the incidence of the pandemic in this sector and determine the positioning of each one of them on issues of financial development and perception of its members. The applied methodology was to perform surveys to the members of the 14 credit unions belonging to the case study, interviews with the UPROCACH manager, head of the agency of COAC 29 de Octubre and COAC Daquilema Condamine branch, as well as an analysis of the financial indicators, it was carried out through SEPS and ASOBANCA through their DATASEPS and DATALAB platforms. With this, the main results obtained reflect that 51.6% rate customer service as good, 66.5% feel safe when accessing the financial institution, 47.9% consider that there is easy access to products and financial services, and 78.8% mention that credit unions provide ease of access to multichannel. However, a minority percentage of 21.2% does not have access and is completely unaware of it. On the other hand, it will be extended that the best positioned COAC in liquidity and solvency issues is COAC San Francisco Ltda., while the one with problems is COAC CACPECO, however, it leads to profitability issues. Finally, COAC Riobamba is positioned as the least delinquent. With these results, the proposal was developed through a situational analysis, determining that in terms of the perception of the partners, the COAC Kullki Wasi is more competitive. For this reason, strategies were developed aimed at improving the competitiveness of credit unions so that they contribute to the socioeconomic progress of Riobamba.