Análisis del riesgo crediticio en la concesión de microcréditos, para determinar la incidencia en la liquidez mediante el método CAMEL de BANECUADOR agencia Santo Domingo, período 2018 – 2020.

Abstract

The current research work was conducted to analyze the credit risk in the granting of microcredits, to determine the impact on liquidity using the CAMEL method of BanEcuador agency Santo Domingo, period 2018 - 2020. This was developed with a qualitative and quantitative research approach, using a descriptive level of research, the research design was nonexperimental since the impact that the procedures had in the cross-sectional application was analyzed with the collection of information and subsequently solutions were proposed for the interpretation of the data. The methods used were inductive and observation. The CAMEL financial method was applied for the analysis, which through the set of representatives indicators of capital adequacy, solvency and asset quality, the quality of management, the stability level of profitability and liquidity management, which determined the overall rating for the analyzed institution has been maintained since 2018 with AA rating, the same rating presented for 2020, through the evaluation made it was possible to demonstrate opportunities of improvement for the agency of BanEcuador of Santo Domingo, yielding a positive result, allowing to verify and fulfill the objective of proposing financial strategies. The results obtained made it possible to establish the necessary financial strategies from the financial perspective, client perspective, internal processes perspective and from the learning perspective to comprehensively cover the institution's financial management with the objective of improving liquidity indicators. Finally, it was concluded that there is an impact of credit risk on liquidity, and that the strategies were not only focused on credit risk management, but also extended to the management of deposits and portfolio recovery management.