Trabajos de Titulación - Economía
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Examinando Trabajos de Titulación - Economía por Materia "Algoritmo Smote"
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- ÍtemSolo MetadatosDeterminantes de la morosidad en los cantones de la zona 6 según la actividad económica caso cooperativa Jardín Azuayo, periodo 2016-2021(Universidad Católica de Cuenca, 2023) Castro Cabrera, María Magdalena; Marcillo Chasy, Jennifer Nathaly; 0105892533This paper aims to establish the determinants of credit delinquency at “Jardín Azuayo” SACCO during 2016-2021 using variable characteristics of debtors such as demographic, financial, and credit granted. Firstly, a literature review establishes that macroeconomic factors (GDP, unemployment rate, inflation, wages, and exchange rate, among others) are closely related to the credit delinquency rate. Similarly, microeconomic factors that explain delinquency were identified and are used in this research. This study used 75,914 observations which, through the application of the logistic model (Logit), showed that variables such as loan amount, interest rate, the method of payment, loan term, number of loans within the institution, type of guarantee, debtor's occupation, and economic activity are related to the delinquency rate. Finally, in the presence of unbalanced data, the Smote algorithm was applied to improve the estimation, showing the change in the effect, from negative to positive, of household activities such as employers and transport-storage on delinquency and the positive relationship of agriculture, livestock, fishing, and forestry with the study variable is also significant.