Análisis de riesgo crediticio en las Cooperativas de Ahorro y Crédito del segmento 1 del cantón Riobamba, provincia de Chimborazo, año 2024

Abstract

Over the years, some financial groups have employed risk management methods to address challenges caused by both external and internal factors. These efforts focus on developing strategies to mitigate risks and minimize their impact on the management of Savings and Credit Cooperatives (COACs). The objective of this research is to conduct a "Credit Risk Analysis in Segment 1 Savings and Credit Cooperatives of Riobamba Canton, Chimborazo Province, Year 2024." The study adopted a mixed-method approach, utilizing exploratory and descriptive techniques for the correlational study of variables related to the research. A non-experimental design was applied, as the variables were not manipulated, and the study was cross-sectional, conducted within a specific time frame. Data collection methods included questionnaires distributed to the Segment 1 COACs in Riobamba Canton, with surveys and interviews as instruments. The findings revealed that Segment 1 COACs in Riobamba apply financial indicators to mitigate credit risk but lack immediate strategies to address these risks effectively. The research concludes that understanding credit risk through strategic planning opens new opportunities for effective management. This approach allows for the timely allocation of loans and improved capital collection, ensuring a sustainable financial operation for COACs.