Los modelos de gestión de riesgos en el marco de los microcréditos otorgados por las cooperativas de ahorro del segmento 2 en el Ecuador: periodo 2012 al 2019
Tesis Materias > Ciencias Sociales Universidad Internacional Iberoamericana México > Investigación > Tesis Doctorales Cerrado Español La presente investigación tiene como objetivo estudiar los modelos de gestión de riesgos y evaluación de los microcréditos cooperativos del segmento 2, como factores clave en el desarrollo de la microempresa. Como problema de investigación se ha planeado la necesidad de replantear, analizar y evaluar el uso de indicadores que sirvan para la óptima distribución financiera destinada al funcionamiento de las pequeñas empresas en el ámbito ecuatoriano, por cuanto se identifica el uso inadecuado de los recursos consignados a través de microcréditos. En este orden de ideas, el aporte científico de esta investigación está referido al estudio de la teoría fundamentada en la gestión de riesgo así como los indicadores que inciden en su evaluación como lo son los métodos CAMEL y PERLAS, los cuales abarcan elementos esenciales para determinar el comportamiento de capitales, activos, manejo administrativo, liquidez y riesgos inherentes a los microcréditos otorgados a cooperativas. En este sentido, la metodología se desarrolla en un enfoque mixto tanto cuantitativo como cualitativo, que permite el desarrollo de la investigación propuesta para la tesis doctoral. De este modo, esta investigación utilizará la complementariedad de métodos por cuanto precisa de comparación, deducción, análisis, síntesis, sobre el objeto de estudio, también se aplicará un instrumento de investigación a través de la técnica de la encuesta apoyándose en entrevista estructurada que está dirigida a pequeños empresarios y trabajadores adscritos a la superintendencia de Economía Popular y Solidaria en Ecuador. Los resultados obtenidos que se espera aportar con este estudio reflejarán el análisis sobre aquellos modelos evaluativos para microcréditos que pueda servir de referencia a futuras investigaciones afines, igualmente se estudiará el desarrollo de políticas gubernamentales orientadas al ámbito de las pequeñas empresas de acuerdo al Plan Nacional de Desarrollo Económico del país. metadata Pinto Guevara, Leonel Aquiles mail leonel.pinto@doctorado.unini.edu.mx (2021) Los modelos de gestión de riesgos en el marco de los microcréditos otorgados por las cooperativas de ahorro del segmento 2 en el Ecuador: periodo 2012 al 2019. Doctoral thesis, Universidad Internacional Iberoamericana México.
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La presente investigación tiene como objetivo estudiar los modelos de gestión de riesgos y evaluación de los microcréditos cooperativos del segmento 2, como factores clave en el desarrollo de la microempresa. Como problema de investigación se ha planeado la necesidad de replantear, analizar y evaluar el uso de indicadores que sirvan para la óptima distribución financiera destinada al funcionamiento de las pequeñas empresas en el ámbito ecuatoriano, por cuanto se identifica el uso inadecuado de los recursos consignados a través de microcréditos. En este orden de ideas, el aporte científico de esta investigación está referido al estudio de la teoría fundamentada en la gestión de riesgo así como los indicadores que inciden en su evaluación como lo son los métodos CAMEL y PERLAS, los cuales abarcan elementos esenciales para determinar el comportamiento de capitales, activos, manejo administrativo, liquidez y riesgos inherentes a los microcréditos otorgados a cooperativas. En este sentido, la metodología se desarrolla en un enfoque mixto tanto cuantitativo como cualitativo, que permite el desarrollo de la investigación propuesta para la tesis doctoral. De este modo, esta investigación utilizará la complementariedad de métodos por cuanto precisa de comparación, deducción, análisis, síntesis, sobre el objeto de estudio, también se aplicará un instrumento de investigación a través de la técnica de la encuesta apoyándose en entrevista estructurada que está dirigida a pequeños empresarios y trabajadores adscritos a la superintendencia de Economía Popular y Solidaria en Ecuador. Los resultados obtenidos que se espera aportar con este estudio reflejarán el análisis sobre aquellos modelos evaluativos para microcréditos que pueda servir de referencia a futuras investigaciones afines, igualmente se estudiará el desarrollo de políticas gubernamentales orientadas al ámbito de las pequeñas empresas de acuerdo al Plan Nacional de Desarrollo Económico del país.
| Tipo de Documento: | Tesis (Doctoral) |
|---|---|
| Palabras Clave: | Cooperativas de Ahorro y crédito, Gestión de Riesgos, Microcréditos, Microempresa, Desarrollo Económico |
| Clasificación temática: | Materias > Ciencias Sociales |
| Divisiones: | Universidad Internacional Iberoamericana México > Investigación > Tesis Doctorales |
| Depositado: | 31 Ene 2022 23:55 |
| Ultima Modificación: | 31 Ene 2022 23:55 |
| URI: | https://repositorio.unini.edu.mx/id/eprint/509 |
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