Gestión Financiera

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Author: search.filters.author.Santana Mañay, Luis FabiánSubject: search.filters.subject.ANÁLISIS FINANCIERO

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    El nivel de activos y el posicionamiento de mercado en las cooperativas de ahorro y crédito del cantón Ambato reguladas por la SEPS
    (2016-07) Santana Mañay, Luis Fabián; DT - Urrutia Urrutia, Janet Carolina; DT - Urrutia Urrutia, Janet Carolina
    In the present study the relationship between the level of assets against market position in the credit union regulated by the SEPS segment 1 and 2 converge in the city of Ambato shown. research focused on the main components of the balance sheet was developed by analyzing the assets, could determine the structure of these institutions so that credit unions., San Francisco, Oscus, El Sagrario maintain a good level of productive assets 96% to total assets, while Mushuc Runa, Chamber of Commerce and Ambato are located in an intermediate position, finally Kulki Wasi, Chibuleo and SAC reflect a high level of nonperforming assets, corroborated this with the high rate of delinquency portfolio, also through oriented members of these cooperatives survey, a market survey measuring the perception with 13 major attributes, and the preference they have, in order to determine the market positioning, using a scaling model was executed multidimensional, which allows measuring the differences and similarities through the calculation of Euclidean distances and to verify that the model fits quite well by calculating the stress and stress squared, it was concluded that the credit unions., San Francisco and Oscus, Mushuc Runa, Chamber of Commerce and El Sagrario institutions are positioned in the market, while Chibuleo and Ambato are not so positioned institutions finally Kulki Wasi and SAC are not positioned. With this we can conclude that institutions as their level of assets does market positioning increases, but they must frame their strategies on improving the management of its assets, primarily the loan portfolio, as its main axis financial intermediation should ensure the effective recovery of their loans.