“Factores que inciden en el sobreendeudamiento en una cooperativa de ahorro y crédito: Azogues – Ecuador ”

Abstract

This research work analyzed over-indebtedness in a savings and credit cooperative in Azogues - Ecuador, to determine the level of association of the research variables through applied research to generate intelligent intervention strategies. Over-indebtedness is a phenomenon that puts pressure on the domestic economy and directly affects the portfolio of the financial system. The research was conducted at the level of clients of a cooperative with 142,957 members at the national level and 32,654 members in the city of Azogues. Therefore, the sample size was 379. The research results revealed that the ability to pay (0.367**) and the ability to invest (0.200*) correlate with over-indebtedness at a significance level lower than the p-value of 0.05. It was concluded that top management strategies should focus on the variables that showed a favorable statistical test.