Análisis de los créditos de consumo de la Cooperativa de Ahorro y Crédito Kullki Wasi Ltda., y su impacto en la calidad de vida de los beneficiarios durante el primer semestre del año 2024.

Abstract

The general objective of this research was to analyze consumer loans granted by the Kullki Wasi Savings and Credit, Cooperative and determine their economic impact on beneficiaries, during, the first half of 2024. The hypothesis was, that proper, credit management, influences the economic situation of members and the quality of the, institutional loan portfolio. A mixed methodology was employed, with a descriptive and analytical scope. Documentary and financial, analysis of, the consumer loan portfolio was conducted, along with, surveys of beneficiary members to measure their debt levels, income variations, and perceptions of economic improvement. The main results showed that consumer, credit was a product in high demand among beneficiary, members, generating positive, economic effects for, a significant portion of the, sample. However, risks were identified related to weaknesses, in the assessment of, repayment, capacity and in loan, monitoring, which was linked to high levels of delinquency. The hypothesis was tested using the Chi-square (χ²) statistical, test, which revealed a significant relationship between credit management and the economic, impact on members. It was concluded that improving, evaluation processes, controls, and financial education enhances institutional sustainability and the, economic well-being of beneficiaries. Implementing ongoing monitoring techniques and performance indicators is recommended.