Competencia y sostenibilidad de las instituciones de microfinanzas (IMFs) ecuatorianas

Contenido principal del artículo

Fernando Naranjo Galindo

Resumen

A menudo se elogia la competencia por mejorar la eficiencia en el proceso de asignación de recursos. Sin embargo, también podría poner en riesgo la sostenibilidad de las empresas que operan en ciertas industrias como el sector financiero. Esto tendría implicaciones gerenciales adicionales cuando se trata de empresas sociales como las instituciones de microfinanzas (IMFs). Utilizando datos de la Superintendencia de Economía Popular y Solidaria durante el período 2016-2019, este estudio tiene como objeto analizar los aspectos de la competencia en la sostenibilidad de las IMFs ecuatorianas, específicamente en las cooperativas de ahorro y crédito (SACCOs). Con base en el enfoque estructural y en el no estructural para medir la competencia a nivel de empresa, los hallazgos están en línea con una parte importante de la literatura en microfinanzas que afirma que la competencia está negativamente asociada con las principales medidas de sostenibilidad financiera y calidad de la cartera.

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Cómo citar
Naranjo Galindo, F. X. (2022). Competencia y sostenibilidad de las instituciones de microfinanzas (IMFs) ecuatorianas. PODIUM, (41), 1–20. https://doi.org/10.31095/podium.2022.41.1
Sección
Artículos científicos
Biografía del autor/a

Fernando Naranjo Galindo, a:1:{s:5:"es_ES";s:37:"Universidad Internacional del Ecuador";}

Máster Especialización en Microfinanzas, Universidad Libre de Bruselas. Docente-investigador, Universidad Internacional del Ecuador (UIDE) - Ecuador.

Citas

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