| Indicador | Resultado |
|---|---|
| Cartera bruta | $4,560,877.11 |
| Cartera productiva | $4,070,779.92 |
| Saldo NDI | $152,149.72 |
| Saldo vencido | $337,947.47 |
| Cartera improductiva | $490,097.19 |
| Morosidad | 10.75% |
| Mora vencida | 7.41% |
| Cartera judicial | $292,387.58 |
| Provisión constituida | $450,005.40 |
| Cobertura de provisiones | 91.82% |
| Tasa promedio ponderada | 16.39% |
| Plazo promedio ponderado | 53 días |
| Número de operaciones | 1,033 |
Informe Semanal de Morosidad y Calidad de Cartera
Seguimiento de indicadores y cumplimiento de metas
1 Resumen Ejecutivo
El presente dashboard permite realizar el seguimiento semanal de la calidad de la cartera de crédito, con énfasis en la evolución de la cartera improductiva, el indicador de morosidad, la cartera judicial y el cumplimiento de las metas establecidas para Matriz, S. Loja y el consolidado institucional.
2 Cumplimiento de metas
Esta sección constituye el principal mecanismo de seguimiento semanal. Los resultados obtenidos de la base se comparan automáticamente con las metas establecidas para cartera improductiva, morosidad y cartera judicial.
Para los tres indicadores, un resultado inferior o igual a la meta representa cumplimiento, mientras que un resultado superior representa desviación desfavorable.
2.1 Cumplimiento de metas consolidado
| Indicador | Meta | Resultado | Brecha | Cumplimiento | Estado |
|---|---|---|---|---|---|
| Cartera improductiva | $448,811.29 | $490,097.19 | $41,285.90 | 91.58% | NO CUMPLE |
| Morosidad | 9.12% | 10.75% | 1.63% | 84.87% | NO CUMPLE |
| Cartera judicial | $427,539.99 | $292,387.58 | -$135,152.41 | 100.00% | CUMPLE |
2.2 Cumplimiento de metas por agencia
| Agencia | Cartera Improductiva - Meta | Cartera Improductiva - Resultado | Cartera Improductiva - Brecha | Cartera Improductiva - Cumplimiento | Cartera Improductiva - Estado | Morosidad - Meta | Morosidad - Resultado | Morosidad - Brecha | Morosidad - Cumplimiento | Morosidad - Estado | Judicial - Meta | Judicial - Resultado | Judicial - Brecha | Judicial - Cumplimiento | Judicial - Estado |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Matriz | $198,425.84 | $192,513.93 | -$5,911.91 | 100.00% | CUMPLE | 5.96% | 6.27% | 0.31% | 95.06% | NO CUMPLE | $173,235.12 | $103,360.14 | -$69,874.98 | 100.00% | CUMPLE |
| S. Loja | $250,385.45 | $297,583.26 | $47,197.81 | 84.14% | NO CUMPLE | 15.75% | 19.97% | 4.22% | 78.88% | NO CUMPLE | $254,304.87 | $189,027.44 | -$65,277.43 | 100.00% | CUMPLE |
| Consolidado | $448,811.29 | $490,097.19 | $41,285.90 | 91.58% | NO CUMPLE | 9.12% | 10.75% | 1.63% | 84.87% | NO CUMPLE | $427,539.99 | $292,387.58 | -$135,152.41 | 100.00% | CUMPLE |
2.3 Resumen ejecutivo del cumplimiento
La cartera improductiva consolidada registra $490,097.19, frente a una meta de $448,811.29. El resultado presenta una brecha de $41,285.90 y el estado de cumplimiento es NO CUMPLE.
El indicador de morosidad consolidado se ubica en 10.75%, frente a una meta de 9.12%. La diferencia respecto de la meta es de 1.63%, con un estado de NO CUMPLE.
La cartera judicial consolidada alcanza $292,387.58, frente a una meta de $427,539.99. La brecha registrada es de -$135,152.41, con un estado de CUMPLE.
3 Composición de la cartera
4 Cartera por calificación
| CALIFICACION | Operaciones | Saldo por vencer | NDI | Saldo vencido | Saldo total | Provisión |
|---|---|---|---|---|---|---|
| A1 | 752 | $3,570,725.57 | $0.00 | $0.00 | $3,570,725.57 | $68,557.91 |
| A2 | 90 | $410,166.08 | $0.00 | $0.00 | $410,166.08 | $12,017.84 |
| A3 | 12 | $89,888.27 | $0.00 | $0.00 | $89,888.27 | $4,431.50 |
| B1 | 18 | $0.00 | $102,632.25 | $2,847.93 | $105,480.18 | $8,754.85 |
| B2 | 3 | $0.00 | $12,167.75 | $513.01 | $12,680.76 | $2,028.93 |
| C1 | 4 | $0.00 | $24,622.14 | $1,061.11 | $25,683.25 | $7,961.81 |
| D | 2 | $0.00 | $3,661.00 | $741.98 | $4,402.98 | $4,402.54 |
| E | 152 | $0.00 | $9,066.58 | $332,783.44 | $341,850.02 | $341,850.02 |
5 Morosidad por agencia
| AGENCIA | Operaciones | Cartera | NDI | Vencido | Improductiva | Judicial | Morosidad |
|---|---|---|---|---|---|---|---|
| SUCURSAL LOJA | 341 | $1,490,457.13 | $78,171.96 | $219,411.30 | $297,583.26 | $189,027.44 | 19.97% |
| MATRIZ | 692 | $3,070,419.98 | $73,977.76 | $118,536.17 | $192,513.93 | $103,360.14 | 6.27% |
6 Morosidad por asesor de crédito
| ASESOR CREDITO | Operaciones | Cartera | Improductiva | Judicial | Morosidad |
|---|---|---|---|---|---|
| XJRIOS LOJA | 142 | $569,904.05 | $181,012.38 | $106,175.19 | 31.76% |
| HYGONZALEZ | 322 | $1,332,858.08 | $139,241.66 | $87,818.24 | 10.45% |
| XABETANCOURT LOJA | 199 | $920,553.08 | $116,570.88 | $82,852.25 | 12.66% |
| CREDITO DAVID | 370 | $1,737,561.90 | $53,272.27 | $15,541.90 | 3.07% |
7 Morosidad por segmento de crédito
| SEGMENTO DE CREDITO | Operaciones | Cartera | Improductiva | Judicial | Morosidad |
|---|---|---|---|---|---|
| MICROCREDITO | 544 | $1,883,273.44 | $237,406.79 | $175,815.35 | 12.61% |
| CONSUMO | 489 | $2,677,603.67 | $252,690.40 | $116,572.23 | 9.44% |
8 Morosidad por línea de crédito
| LINEA CREDITO | Operaciones | Cartera | Improductiva | Judicial | Morosidad |
|---|---|---|---|---|---|
| ACTIVATE CACV | 12 | $26,705.48 | $26,705.48 | $25,593.14 | 100.00% |
| Emprendimiento | 2 | $3,043.23 | $3,043.23 | $1.00 | 100.00% |
| MICRO-AGROPECUARIO | 15 | $32,933.70 | $8,222.10 | $3,964.63 | 24.97% |
| MICROCREDITO | 255 | $1,223,634.89 | $170,946.18 | $127,396.47 | 13.97% |
| CONSUMO SOCIO AAA | 20 | $141,591.13 | $16,058.22 | $12,032.60 | 11.34% |
| MICRO-EMERGENTE | 195 | $271,217.47 | $28,488.80 | $18,859.11 | 10.50% |
| Cartera Consumo | 327 | $2,188,590.48 | $217,868.09 | $90,164.53 | 9.95% |
| Consumo Emergentes | 139 | $327,721.23 | $18,764.09 | $14,375.10 | 5.73% |
| SOCIO AAA | 40 | $214,571.67 | $1.00 | $1.00 | 0.00% |
| CRECE MUJER | 19 | $55,624.86 | $0.00 | $0.00 | 0.00% |
| Consumo Reestructurado | 1 | $7,293.98 | $0.00 | $0.00 | 0.00% |
| Consumo Refinanciado | 2 | $12,406.85 | $0.00 | $0.00 | 0.00% |
| Microcredito Reestructurado | 1 | $5,750.46 | $0.00 | $0.00 | 0.00% |
| Microcredito Refinanciado | 5 | $49,791.68 | $0.00 | $0.00 | 0.00% |
9 Morosidad por producto de crédito
| PRODUCTO CREDITO | Operaciones | Cartera | Improductiva | Judicial | Morosidad |
|---|---|---|---|---|---|
| Microcredito Acum.Amplia. | 16 | $139,299.95 | $50,958.99 | $49,041.88 | 36.58% |
| Microcredito Acum.Simple | 65 | $440,185.86 | $108,998.93 | $82,836.53 | 24.76% |
| Consumo | 489 | $2,677,603.67 | $252,690.40 | $116,572.23 | 9.44% |
| Microcredito Minorista de Subsistencia | 463 | $1,303,787.63 | $77,448.87 | $43,936.94 | 5.94% |
10 Morosidad por género
| GENERO | Operaciones | Cartera | Improductiva | Morosidad |
|---|---|---|---|---|
| FEMENINO | 561 | $2,179,863.87 | $216,015.98 | 9.91% |
| MASCULINO | 470 | $2,363,934.86 | $274,081.21 | 11.59% |
| NO DEFINIDO...! | 2 | $17,078.38 | $0.00 | 0.00% |
11 Morosidad por rango de edad
| RANGO_EDAD | Operaciones | Cartera | Improductiva | Morosidad |
|---|---|---|---|---|
| 18 - 25 | 146 | $430,159.86 | $37,508.49 | 8.72% |
| 26 - 35 | 268 | $1,142,726.45 | $126,718.34 | 11.09% |
| 36 - 45 | 219 | $1,049,016.92 | $94,672.77 | 9.02% |
| 46 - 55 | 197 | $1,018,072.68 | $151,292.20 | 14.86% |
| 56 - 65 | 112 | $452,589.93 | $18,507.00 | 4.09% |
| 66 o más | 89 | $451,232.89 | $61,398.39 | 13.61% |
| Sin información | 2 | $17,078.38 | $0.00 | 0.00% |
12 Morosidad por nivel de instrucción
| NIVEL INSTRUCCION | Operaciones | Cartera | Improductiva | Morosidad |
|---|---|---|---|---|
| TECNICA TECNOLOGIA | 42 | $195,538.69 | $50,640.02 | 25.90% |
| UNIVERSITARIA | 216 | $1,060,672.00 | $133,662.20 | 12.60% |
| SECUNDARIA | 521 | $2,316,549.96 | $248,725.76 | 10.74% |
| PRIMARIA | 232 | $892,389.75 | $53,386.73 | 5.98% |
| POSTGRADO | 15 | $78,216.07 | $3,678.48 | 4.70% |
| NINGUNA | 6 | $16,765.93 | $4.00 | 0.02% |
| N/A | 1 | $744.71 | $0.00 | 0.00% |
13 Morosidad por rango de monto otorgado
| RANGO_MONTO | Operaciones | Monto_Otorgado | Cartera | Improductiva | Judicial | Morosidad |
|---|---|---|---|---|---|---|
| Hasta $1.000 | 117 | $94,300.00 | $50,781.28 | $4,291.36 | $1,429.51 | 8.45% |
| $1.001 - $3.000 | 320 | $703,744.75 | $386,180.67 | $34,069.83 | $21,570.12 | 8.82% |
| $3.001 - $5.000 | 165 | $726,480.93 | $445,461.57 | $58,757.22 | $39,888.76 | 13.19% |
| $5.001 - $10.000 | 249 | $1,992,347.49 | $1,224,293.59 | $168,319.60 | $115,616.02 | 13.75% |
| $10.001 - $20.000 | 131 | $1,929,792.41 | $1,387,047.53 | $141,089.90 | $63,962.49 | 10.17% |
| $20.001 - $50.000 | 50 | $1,405,832.72 | $998,654.44 | $83,569.28 | $49,920.68 | 8.37% |
| Más de $50.000 | 1 | $70,000.00 | $68,458.03 | $0.00 | $0.00 | 0.00% |
14 Morosidad por actividad económica
| ACTIVIDAD ECONOMICA | Operaciones | Cartera | Improductiva | Judicial | Morosidad |
|---|---|---|---|---|---|
| ACTIVIDADES FINANCIERAS Y DE SEGUROS. | 1 | $10,974.66 | $10,974.66 | $10,974.66 | 100.00% |
| ADMINISTRACION PéBLICA Y DEFENSA, PLANES DE SEGURIDAD SOCIAL DE AFILIACION OBLIGATORIA. | 4 | $904.25 | $904.25 | $904.25 | 100.00% |
| ENSE¥ANZA. | 8 | $22,723.66 | $10,158.97 | $9,737.05 | 44.71% |
| ACTIVIDADES PROFESIONALES, CIENTIFICAS Y TCNICAS. | 17 | $87,180.59 | $29,174.70 | $9,372.52 | 33.46% |
| ACTIVIDADES DE ATENCION DE LA SALUD HUMANA Y DE ASISTENCIA SOCIAL. | 10 | $19,386.30 | $6,444.12 | $4,527.01 | 33.24% |
| OTRAS ACTIVIDADES DE SERVICIOS. | 16 | $56,266.51 | $17,592.78 | $9,796.79 | 31.27% |
| ACTIVIDADES INMOBILIARIAS. | 13 | $96,176.27 | $25,572.38 | $25,572.38 | 26.59% |
| INDUSTRIAS MANUFACTURERAS. | 46 | $176,527.26 | $35,036.59 | $32,088.98 | 19.85% |
| COMERCIO AL POR MAYOR Y AL POR MENOR, REPARACION DE VEHICULOS AUTOMOTORES Y MOTOCICLETAS. | 124 | $569,545.26 | $106,337.60 | $86,299.34 | 18.67% |
| CONSTRUCCION. | 35 | $108,931.70 | $14,671.17 | $1,797.19 | 13.47% |
| TRANSPORTE Y ALMACENAMIENTO. | 30 | $148,881.70 | $19,371.29 | $12,455.95 | 13.01% |
| AGRICULTURA, GANADERIA, SILVICULTURA Y PESCA. | 167 | $394,954.32 | $50,611.76 | $32,550.22 | 12.81% |
| ACTIVIDADES DE SERVICIOS ADMINISTRATIVOS Y DE APOYO. | 51 | $106,081.76 | $8,248.50 | $7,756.75 | 7.78% |
| INFORMACION Y COMUNICACION. | 4 | $46,803.55 | $3,582.33 | $3,582.33 | 7.65% |
| CONSUMO - NO PRODUCTIVO | 429 | $2,404,195.50 | $145,928.73 | $41,168.95 | 6.07% |
| ACTIVIDADES DE ALOJAMIENTO Y DE SERVICIO DE COMIDAS. | 54 | $257,930.83 | $5,238.31 | $3,795.21 | 2.03% |
| ACTIVIDADES DE LOS HOGARES COMO EMPLEADORES, ACTIVIDADES NO DIFERENCIADAS DE LOS HOGARES COMO PRODUCTORES DE BIENES Y SE | 10 | $12,401.19 | $242.05 | $1.00 | 1.95% |
| NA | 9 | $7,599.77 | $7.00 | $7.00 | 0.09% |
| ARTES, ENTRETENIMIENTO Y RECREACION. | 2 | $20,599.70 | $0.00 | $0.00 | 0.00% |
| DISTRIBUCION DE AGUA, ALCANTARILLADO, GESTION DE DESECHOS Y ACTIVIDADES DE SANEAMIENTO. | 1 | $1,698.74 | $0.00 | $0.00 | 0.00% |
| EXPLOTACION DE MINAS Y CANTERAS. | 2 | $11,113.59 | $0.00 | $0.00 | 0.00% |
15 Principales operaciones con cartera improductiva
| AGENCIA | ASESOR CREDITO | COD CLIENTE | APELLIDOS Y NOMBRES | NRO CREDITO | CALIFICACION | SEGMENTO DE CREDITO | LINEA CREDITO | PRODUCTO CREDITO | SALDO TOTAL | SALDO NDI | SALDO VENCIDO | CARTERA_IMPRODUCTIVA | CARTERA_JUDICIAL | PROVISION CONSTITUIDA |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MATRIZ | HYGONZALEZ | 194 | OCAMPO PUCHAICELA SORAYA DEL ROSARIO | 6.03008e+11 | E | MICROCREDITO | MICROCREDITO | Microcredito Acum.Amplia. | $28,279.23 | $0.00 | $28,279.23 | $28,279.23 | $28,279.23 | $28,279.23 |
| SUCURSAL LOJA | XABETANCOURT LOJA | 1216 | PUCHAICELA ORDOÑEZ MAFALDA OLIVIA | 6.03102e+11 | E | CONSUMO | Cartera Consumo | Consumo | $21,639.45 | $0.00 | $21,639.45 | $21,639.45 | $21,639.45 | $21,639.45 |
| MATRIZ | HYGONZALEZ | 1258 | LEON GAONA DARWIN HEVERLADI | 6.03002e+11 | B1 | CONSUMO | Cartera Consumo | Consumo | $19,603.60 | $19,182.85 | $420.75 | $19,603.60 | $0.00 | $1,627.10 |
| SUCURSAL LOJA | XJRIOS LOJA | 561 | CAMACHO ROMAN VICTOR EMILIO | 6.03102e+11 | B1 | CONSUMO | Cartera Consumo | Consumo | $18,732.36 | $18,582.32 | $150.04 | $18,732.36 | $0.00 | $1,554.79 |
| SUCURSAL LOJA | XJRIOS LOJA | 298 | CARCHI BAEZ LAURA ESTHER | 6.03102e+11 | C1 | CONSUMO | Cartera Consumo | Consumo | $14,923.67 | $14,801.63 | $122.04 | $14,923.67 | $0.00 | $4,626.34 |
| SUCURSAL LOJA | XJRIOS LOJA | 782 | SANCHEZ MOROCHO MANUEL JESUS | 6.03102e+11 | B1 | CONSUMO | Cartera Consumo | Consumo | $14,045.00 | $13,673.24 | $371.76 | $14,045.00 | $0.00 | $1,165.74 |
| MATRIZ | HYGONZALEZ | 2532 | STEPHENS ROBERT COLEMAN | 6.03012e+11 | E | CONSUMO | CONSUMO SOCIO AAA | Consumo | $12,032.60 | $0.00 | $12,032.60 | $12,032.60 | $12,032.60 | $12,032.60 |
| MATRIZ | CREDITO DAVID | 2466 | CHINCHAY OCHOA WALTER RODRIGO | 6.03008e+11 | B1 | MICROCREDITO | MICROCREDITO | Microcredito Minorista de Subsistencia | $11,873.61 | $11,766.73 | $106.88 | $11,873.61 | $0.00 | $985.51 |
| MATRIZ | HYGONZALEZ | 342 | APOLO HIDALGO STALIN WILFRIDO | 6.03008e+11 | E | MICROCREDITO | MICROCREDITO | Microcredito Acum.Simple | $11,385.11 | $0.00 | $11,385.11 | $11,385.11 | $11,385.11 | $11,385.11 |
| SUCURSAL LOJA | XJRIOS LOJA | 534 | AGUIRRE CELI MARIA LORENA | 6.03102e+11 | E | CONSUMO | Cartera Consumo | Consumo | $10,974.66 | $0.00 | $10,974.66 | $10,974.66 | $10,974.66 | $10,974.66 |
| SUCURSAL LOJA | XJRIOS LOJA | 775 | CARLOS ALBERTO SANCHEZ PUGA | 6.03102e+11 | B1 | CONSUMO | Cartera Consumo | Consumo | $10,730.13 | $10,579.83 | $150.30 | $10,730.13 | $0.00 | $890.60 |
| MATRIZ | HYGONZALEZ | 2532 | STEPHENS ROBERT COLEMAN | 6.03005e+11 | E | CONSUMO | Consumo Emergentes | Consumo | $9,562.35 | $0.00 | $9,562.35 | $9,562.35 | $9,562.35 | $9,562.35 |
| SUCURSAL LOJA | XJRIOS LOJA | 243 | PARRA GRANDA RAQUEL PIEDAD | 6.03108e+11 | E | MICROCREDITO | MICROCREDITO | Microcredito Acum.Simple | $8,722.84 | $0.00 | $8,722.84 | $8,722.84 | $8,722.84 | $8,722.84 |
| MATRIZ | CREDITO DAVID | 2787 | ARMIJOS ARMIJOS JORGE LUIS | 6.03002e+11 | C1 | CONSUMO | Cartera Consumo | Consumo | $8,671.72 | $8,171.09 | $500.63 | $8,671.72 | $0.00 | $2,688.23 |
| MATRIZ | HYGONZALEZ | 1983 | JEREZ NAULA ZOILA ROSARIO | 6.03008e+11 | E | MICROCREDITO | MICROCREDITO | Microcredito Acum.Simple | $8,284.69 | $3,460.02 | $4,824.67 | $8,284.69 | $0.00 | $8,284.69 |
| SUCURSAL LOJA | XJRIOS LOJA | 334 | SAMANIEGO QUIZHPE JORGE LUIS | 6.03102e+11 | E | CONSUMO | Cartera Consumo | Consumo | $7,952.04 | $0.00 | $7,952.04 | $7,952.04 | $7,952.04 | $7,952.04 |
| SUCURSAL LOJA | XABETANCOURT LOJA | 607 | DIAZ VARGAS JOHANA KATHERINE | 6.03108e+11 | E | MICROCREDITO | MICROCREDITO | Microcredito Acum.Simple | $7,892.09 | $0.00 | $7,892.09 | $7,892.09 | $7,892.09 | $7,892.09 |
| SUCURSAL LOJA | XJRIOS LOJA | 339 | TROYA TROYA ROCIO YOLANDA | 6.03108e+11 | E | MICROCREDITO | MICROCREDITO | Microcredito Acum.Simple | $7,352.38 | $0.00 | $7,352.38 | $7,352.38 | $7,352.38 | $7,352.38 |
| SUCURSAL LOJA | XABETANCOURT LOJA | 300 | HIDALGO GONZALEZ MARIA JOSE | 6.03108e+11 | E | MICROCREDITO | MICROCREDITO | Microcredito Acum.Simple | $7,226.87 | $1,017.39 | $6,209.48 | $7,226.87 | $0.00 | $7,226.87 |
| SUCURSAL LOJA | XJRIOS LOJA | 516 | TITUAÑA ROMERO ROSA ELIZABETH | 6.03108e+11 | E | MICROCREDITO | MICROCREDITO | Microcredito Acum.Simple | $7,171.00 | $0.00 | $7,171.00 | $7,171.00 | $7,171.00 | $7,171.00 |
16 Conclusiones
La cartera bruta de la institución asciende a $4,560,877.11, de la cual $4,070,779.92 corresponde a cartera productiva y $490,097.19 corresponde a cartera improductiva.
La cartera improductiva, calculada como la suma del saldo NDI y saldo vencido, registra $490,097.19. Frente a la meta consolidada de $448,811.29, se determina una brecha de $41,285.90 y un estado de NO CUMPLE.
El indicador de morosidad alcanza 10.75%, frente a la meta consolidada de 9.12%. La diferencia respecto de la meta es de 1.63%, por lo que el resultado se clasifica como NO CUMPLE.
La cartera judicial registra $292,387.58, frente a una meta consolidada de $427,539.99. La brecha respecto del objetivo es de -$135,152.41, con un estado de CUMPLE.
En Matriz, la cartera improductiva alcanza $192,513.93, frente a una meta de $198,425.84, mientras que el indicador de morosidad se ubica en 6.27%, frente a una meta de 5.96%.
En S. Loja, la cartera improductiva alcanza $297,583.26, frente a una meta de $250,385.45, mientras que el indicador de morosidad se ubica en 19.97%, frente a una meta de 15.75%.
El análisis complementario por agencia, asesor de crédito, segmento, línea, producto, género, rango de edad, nivel de instrucción, rango de monto otorgado y actividad económica permite identificar los grupos y operaciones que concentran los mayores niveles de cartera improductiva y morosidad, facilitando la priorización de las acciones de seguimiento y recuperación.
Fuente: Base de cartera de crédito semanal proporcionada por la institución.
.```