El rol de la asociatividad como determinante en la morosidad de créditos

Abstract

This research aims to determine the influence of associativity on loan payment arrears among the affiliates of the “Cooperativa Jardín Azuayo.” For this purpose, a database of 115,825 observations was used. The information provided by the Cooperative included the variables of associativity, arrears, age, spouse's income, education level, gender, residential area, and member's income. By applying the Logit model, it was possible to determine that the level of education, age, and member's and spouse's income have a negative effect on the probability of becoming a defaulter. However, the variables of associativity, residential area, and marital status have a positive probability of influencing a client's arrears. The immediate result was that the clients in associativity were more likely to be in arrears.