Examinando por Autor "Maldonado Ambrosi, Andrea Elizabeth"
Mostrando 1 - 1 de 1
Resultados por página
Opciones de ordenación
- ÍtemSolo MetadatosPuntuación de crédito de los socios de la Cooperativa de Ahorro y Crédito Jardín Azuayo mediante regresión logística del periodo 2016 al 2019(Universidad Católica de Cuenca, 2023) Maldonado Ambrosi, Andrea Elizabeth; Covri Rivera, Daniele; 0106176555This paper aims to estimate an econometric model for the credit score of the members of the "Cooperativa de Ahorro y Crédito Jardín Azuayo" from 2016 to 2019. For this, the cooperative provided a database with forty-one variables, of which only twelve were selected. More than 36 thousand observations were estimated, having the delinquency variable as the response variable. First, a theoretical review of the popular and solidarity economic sector, its financial sector, credits in popular finance, credit scoring, and Logit models was carried out. Then, a Logit model was estimated by determining that the only variable that has no impact on the dependent variable is the number of credits. The null hypothesis was rejected because most of the variable categories were significant. The model has a predictive capacity of 82% of the observations