Comportamiento de la cartera de crédito en la cooperativa especializada de ahorro y crédito COOTRACERREJÓN durante la pandemia por covid-19 en el año 2020
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Fecha
2022
Autores
Acuña De La Hoz, Maryan Zayira
Ayala Páez, Mario Andrés
Castro Meléndez, Karen Elena
Hernández Otero, Luis Felipe
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Ediciones Universidad Simón Bolívar
Facultad de Administración y Negocios
Facultad de Administración y Negocios
Resumen
En el año 2020 la Organización Mundial de la Salud (OMS) declaro al COVID-19 como una pandemia que afecto la economía en varios países y Colombia no fue la excepción, ya que el ministerio de salud decreto medidas de confinamiento en el mes de marzo del 2020 para mitigar la rápida propagación del virus. Debido a esto, muchos sectores económicos en Colombia se vieron afectados en sus finanzas por las repentinas restricciones en su funcionamiento habitual, lo cual los llevo a tomar medidas para afrontar esta problemática.
A pesar que el sector financiero en Colombia fue uno de los más favorecidos durante el principio de la pandemia COVID-19 en el año 2020, el sector financiero vio un deterioro por parte de algunos de sus usuarios para el pago de sus obligaciones, lo cual se vio reflejado en el recaudo de la cartera tanto en los bancos, cooperativas, etc…
Debido a lo mencionado anteriormente, la presente investigación se centra en la cooperativa de ahorro y crédito COOTRACERREJÓN en el periodo 2020 y las incidencias que tuvo su cartera de crédito frente al impacto de la pandemia del COVID-19, lo cual nos permitió analizar el comportamiento de la misma y así identificar las estrategias diseñadas para mitigar los factores influyentes en el incremento de la cartera vencida, por lo que se desarrolla un tipo de investigación cuantitativa con enfoque no experimental cuyos diseños transaccionales son exploratorios. Al utilizar este método de investigación se pudo profundizar en el análisis de la cartera vencida a través de la revisión de informes financieros y tablas compartidas por la cooperativa COOTRACERREJÓN, donde se evidencia el cumplimiento del propósito para destacar los aspectos fundamentales de la problemática planteada y donde se encontró los procedimientos adecuados que permitieron elaborar esta investigación.
In 2020 the World Health Organization (WHO) declared COVID-19 as a pandemic that affected the economy in several countries and Colombia was no exception, since the Ministry of Health decreed containment measures in March 2020 to mitigate the rapid spread of the virus. Due to this, many economic sectors in Colombia were affected in their finances by the sudden restrictions in their normal operation, which led them to take measures to face this problem. Although the financial sector in Colombia was one of the most favored during the beginning of the COVID-19 pandemic in the year 2020, the financial sector saw a deterioration on the part of its users for the payment of their obligations, which was reflected in the collection of the portfolio in banks, cooperatives, etc.... Due to the above mentioned, this research focuses on the savings and credit cooperative COOTRACERREJÓN in the period 2020 and the incidences that its credit portfolio had due to the impact of the COVID-19 pandemic, which allowed us to analyze the behavior of the same and thus identify the strategies designed to mitigate the influential factors in the increase of the overdue portfolio, so a type of quantitative research is developed with a non-experimental approach whose transactional designs are exploratory. By using this research method, it was possible to deepen the analysis of the overdue portfolio through the review of financial reports and tables shared by the cooperative COOTRACERREJÓN, where it is evident the fulfillment of the purpose to highlight the fundamental aspects of the problem raised and where it was found the appropriate procedures that allowed the elaboration of this research.
In 2020 the World Health Organization (WHO) declared COVID-19 as a pandemic that affected the economy in several countries and Colombia was no exception, since the Ministry of Health decreed containment measures in March 2020 to mitigate the rapid spread of the virus. Due to this, many economic sectors in Colombia were affected in their finances by the sudden restrictions in their normal operation, which led them to take measures to face this problem. Although the financial sector in Colombia was one of the most favored during the beginning of the COVID-19 pandemic in the year 2020, the financial sector saw a deterioration on the part of its users for the payment of their obligations, which was reflected in the collection of the portfolio in banks, cooperatives, etc.... Due to the above mentioned, this research focuses on the savings and credit cooperative COOTRACERREJÓN in the period 2020 and the incidences that its credit portfolio had due to the impact of the COVID-19 pandemic, which allowed us to analyze the behavior of the same and thus identify the strategies designed to mitigate the influential factors in the increase of the overdue portfolio, so a type of quantitative research is developed with a non-experimental approach whose transactional designs are exploratory. By using this research method, it was possible to deepen the analysis of the overdue portfolio through the review of financial reports and tables shared by the cooperative COOTRACERREJÓN, where it is evident the fulfillment of the purpose to highlight the fundamental aspects of the problem raised and where it was found the appropriate procedures that allowed the elaboration of this research.
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Ahorro, Cartera vencida, Cobranza, Covid-19, Cooperativa, Crédito, Deterioro, Endeudamiento, Provisión, Riesgo de crédito, Riesgo de liquidez, Savings, Past due portfolio, Collections, Cooperative, Credit, Impairment, Indebtedness, Provision, Credit risk, Liquidity risk
