Tasas de interés y su influencia en el crecimiento del sector solidario en Colombia
Cargando...
Fecha
2023
Autores
Barrios Púa, Gina Melissa
Polo Mogollón, Leonardo José
Título de la revista
ISSN de la revista
Título del volumen
Editor
Ediciones Universidad Simón Bolívar
Facultad de Administración y Negocios
Facultad de Administración y Negocios
Resumen
El objetivo principal de la presente investigación es analizar el comportamiento de las tasas de interés y cómo estás han influenciado el Sector Solidario en Colombia en los últimos 3 años estudiando principalmente la tasa de intervención financiera emitida por el Banco de la Republica – BANREP. Para ello, se realizó un análisis cuantitativo de los datos, cifras e información más relevante de las entidades que hacen parte del sector financiero y solidario del país, donde se visualiza un panorama positivo en el sector presentando un incremento del 2,08% en la contribución de activos pasando del 4,66% en el año 2021 al 6,74% en el 2022, y aunque la Superintendencia de la Economía Solidaria – Supersolidaria estima un decrecimiento del 0,87% al cierre del 2023, se considera que se mantendrá estable con relación al año anterior, teniendo en cuenta que dicho decrecimiento se debe principalmente al deterioro de la cartera de créditos por la poca solvencia de pago de los deudores debido al aumento de la inflación y altas tasas de interés que generaron aprietos en el bolsillo de los colombianos, sin embargo se siguen implementado medidas de recuperación para la demanda interna; adicionalmente para lo transcurrido del año registra una mayor cantidad de asociados donde la mayor parte se concentra en la región oriental donde el 53% de asociados son mujeres y el 47% hombres, así mismo se elevó el número de entidades adscritas a la Superintendencia de la Economía Solidaria con relación al año pasado y se estima que para los meses venideros el Banco de la República comience a reducir las tasas de interés paulatinamente a menores porcentajes desde el 2024 hasta 2026 lo que dispararía las líneas de créditos de compra de cartera y libranza, siendo
una oportunidad evidente de fortalecimiento para el sector solidario. Por lo anterior, se concluye que la desacelerada expansión de la economía del país y el incrementado coste de vida tuvo afectaciones negativas en el consumo de créditos y la disminución de los pago de las personas, especialmente para los hogares de menores ingresos, lo que ha elevado el riesgo e incremento en las carteras vencidas de las entidades financieras, por lo que se considera que es momento de iniciar la reducción de las tasas de interés con el fin de promover la economía y generar empleos.
The main objective of this research is to analyze the behavior of interest rates and how they have influenced the Solidarity Sector in Colombia in the last 3 years, studying mainly the financial intervention rate issued by the Banco de la República – BANREP. To this end, a quantitative analysis of the most relevant data, figures and information of the entities that are part of the financial and solidarity sector of the country was carried out, where a positive outlook is visualized in the sector presenting an increase of 2.08% in the contribution of assets going from 4.66% in 2021 to 6.74% in 2022, and although the Superintendency of the Solidarity Economy – Supersolidaria estimates a decrease of 0.87% at the end of 2023, it is considered that it will remain stable in relation to the previous year, taking into account that this decrease is mainly due to the deterioration of the credit portfolio due to the poor payment solvency of the debtors due to the increase in inflation and high interest rates that generated difficulties in the pockets of Colombians, however, recovery measures for domestic demand continue to be implemented; Additionally, so far this year, there has been a greater number of associates, most of whom are concentrated in the eastern region, where 53% of associates are women and 47% are men. Likewise, the number of entities attached to the Superintendency of the Solidarity Economy in relation to last year and it is estimated that in the coming months the Bank of the Republic will begin to gradually reduce interest rates to lower percentages from 2024 to 2026, which would trigger the lines of credit for portfolio purchases and releases, being an obvious opportunity to strengthen the solidarity sector. From the above, it is concluded that the slowed expansion of the country's economy and the increased cost of living had negative effects on credit consumption and the decrease in people's payments, especially for lower-income households, which has high risk and increase in overdue portfolios of financial entities, so it is considered time to begin reducing interest rates in order to promote the economy and generate jobs.
The main objective of this research is to analyze the behavior of interest rates and how they have influenced the Solidarity Sector in Colombia in the last 3 years, studying mainly the financial intervention rate issued by the Banco de la República – BANREP. To this end, a quantitative analysis of the most relevant data, figures and information of the entities that are part of the financial and solidarity sector of the country was carried out, where a positive outlook is visualized in the sector presenting an increase of 2.08% in the contribution of assets going from 4.66% in 2021 to 6.74% in 2022, and although the Superintendency of the Solidarity Economy – Supersolidaria estimates a decrease of 0.87% at the end of 2023, it is considered that it will remain stable in relation to the previous year, taking into account that this decrease is mainly due to the deterioration of the credit portfolio due to the poor payment solvency of the debtors due to the increase in inflation and high interest rates that generated difficulties in the pockets of Colombians, however, recovery measures for domestic demand continue to be implemented; Additionally, so far this year, there has been a greater number of associates, most of whom are concentrated in the eastern region, where 53% of associates are women and 47% are men. Likewise, the number of entities attached to the Superintendency of the Solidarity Economy in relation to last year and it is estimated that in the coming months the Bank of the Republic will begin to gradually reduce interest rates to lower percentages from 2024 to 2026, which would trigger the lines of credit for portfolio purchases and releases, being an obvious opportunity to strengthen the solidarity sector. From the above, it is concluded that the slowed expansion of the country's economy and the increased cost of living had negative effects on credit consumption and the decrease in people's payments, especially for lower-income households, which has high risk and increase in overdue portfolios of financial entities, so it is considered time to begin reducing interest rates in order to promote the economy and generate jobs.
Descripción
Palabras clave
Tasas de interés, Sector solidario, Sistema financiero, DTF, Cooperativas, Captación, Colocación, Interest rates, Solidarity sector, Finance system, Cooperatives, Catchment, Placement
