La morosidad y su impacto en la estabilidad financiera de la Cooperativa de Ahorro y Crédito Educadores de Chimborazo periodo 2021-2023

Abstract

From 2021 to 2023, the primary challenge faced by the Cooperativa de Ahorro y Crédito Educadores de Chimborazo was increasing loan delinquency, which jeopardized the institution's financial stability in an economic climate shaped by the pandemic. This issue required the implementation of risk management strategies and closer collaboration with regulatory agencies. The study aimed to analyze the impact of delinquency on the cooperative's financial performance during this period. A mixed-methods approach was adopted, combining bibliographic research with field studies, utilizing surveys as the primary data collection technique. The findings revealed that delinquency was influenced by economic, social, and psychological factors, with inadequate financial education and insufficient risk oversight identified as key underlying causes. The study concluded that mitigating the risk of default and enhancing long-term stability required a dual approach: improving the financial literacy of cooperative members and optimizing the credit scoring verification process. A proactive educational strategy would empower members to manage their finances more effectively, reducing the likelihood of defaults and improving loan recovery rates. Such measures would strengthen the cooperative's resilience and financial health, enabling it to better serve its members and maintain sustainability.