Browsing by Author "Jarama Pugo, Nelly Alexandra"

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    Comportamiento de la morosidad ampliada de las cooperativas de ahorro y crédito del segmento 3 durante la pandemia Covid 19
    (Universidad de Cuenca, 2022-12-01) Jarama Pugo, Nelly Alexandra; Orellana Osorio, Iván Felipe
    Currently the financial system is going through a difficult time to recover the placement of funds, this scenario has been basically due to job loss, reduction of working hours, reduction and/or loss of economic benefits in the workplace, high health expenses, increase in the level of indebtedness in credit cards, among others, all of these are possible effects of the Covid 19 pandemic. For this reason, this article aims to show the behavior of extended delinquency of the cooperatives that remained within the segment 3 in the period from 2018 to 2021. The methodology used is quantitative, with a non-experimental and cross-sectional research design that allowed an analysis of the behavior of extended delinquency. The Method of differences in differences (Diff-in-Diff) was used with respect to the regulatory changes for the constitution of portfolio provisions and the Chow Test for review of structural breaks in a time series of 48 months. As a result of this article, it is observed that the regulatory reforms issued since May 2020 and that are in force to date, have mitigated the volume of portfolio provisions that financial system institutions had to constitute during the pandemic period. and that the behavior of this index presents structural breaks within this time series
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    Determinación y análisis del costo operativo e impacto financiero en el Homsi Hospital Monte Sinai S. A. al mantener convenio público de salud con el Instituto Ecuatoriano de Seguridad Social (IESS) durante el año 2013
    (2015) Jarama Pugo, Nelly Alexandra; Fajardo Galarza, Jorge Fernando; Agila Tandazo, Johann Neimy
    Nowadays, in order to comply with every citizen’s right to health that sustains the good way to live, within the national territory, which is guaranteed in the Constitution of the Republic of Ecuador of 2008, we have felt the need to write up contracts between state organizations and private health institutions, with the objective of offering timely medical attention of the best quality to all who need this service. This is the reason for this research where we determine costs, and the application of financial ratios after that, so that we can determine operational costs and analyze the financial impact on HOMSI Hospital Monte Sinai S.A. since it maintained a public health agreement with the Instituto Ecuatoriano de Seguridad Social (IESS) during 2013, and with it determine if it is feasible to maintain this agreement, in which it principally comes into evidence the inefficiency with which economic return is recuperated for performed health services, since the average payment period is greater than the one established in the contract, however it is desirable in the long term provides a better return for this institution.