masterThesis
Análisis del grado de absorción del margen financiero neto como indicador de riesgo financiero por incidencia de covid-19 en las cooperativas de ahorro y crédito en el sector de la economía popular y solidaria del segmento 1 de la provincia de Azuay
Fecha
2022-12-13Autor
Ochoa Brito, Milton Oswaldo
Institución
Resumen
This article analyzes the context of the impact that the health emergency situation due to
COVID 19 has had on the financial margins of the Savings and Credit Cooperatives of
segment 1 of the province of Azuay. The economic effects during 2020 were relevant in most
sectors, resulting in the stagnation of a large number of commercial and production activities,
the impact was national and international. In this context, the absorption degree indicator is
analyzed and how it behaved before and after the pandemic, and its future is forecast. The
theory of time series is applied from the perspective of stationarity, with models to test their
changes and also how each of the accounts that serve to calculate this indicator that can be
used as a reference of financial risk have been affected