Relationship between delinquency and liquidity in financial cooperatives: A case study of the COAC CACPE Pastaza.

Abstract

CACPE Pastaza is one of the strongest financial institutions in Ecuador, with 16 agencies in 8 provinces and assets of US$247 million. An analysis of delinquency during the third quarter of 2023 showed liquidity of 24.59% and a delinquency rate of only 3.33%, the lowest among segment 1 cooperatives nationwide. This reflects planned and efficient financial management, based on a mixed methodology that included documentary sources, interviews and surveys. CACPE Pastaza has consolidated its position as a national benchmark in sustainability and credit recovery.