Definición y Análisis de Clústeres para la Cooperativa de Ahorro y Crédito “Raíces Andinas”

Abstract

This study analyzes and classifies migrant members of Raíces Andinas Savings and Credit Cooperative, using financial surplus as the main criterion, estimated from the processing of three databases provided by the cooperative. To identify and characterize the groups over time, Group-Based Trajectory Modeling (GBTM) is applied. The analysis identifies four distinct profiles: deficit members, low-surplus members, declining-surplus members, and high-surplus members, demonstrating that the migrant population is not homogeneous but instead exhibits diverse and evolving financial behaviors over time. The results show that financial surplus is associated not only with the use of financial products and services, but also with sociodemographic factors. Based on these findings, a segmented strategic management approach is proposed, aimed at protecting and retaining the most profitable members, reactivating those showing signs of deceleration, strengthening engagement with low- performing members, and redesigning the financial relationship with deficit members to reduce costs while preserving institutional belonging. The study demonstrates that the application of advanced analytics in the cooperative sector enhances decision-making, improves financial sustainability, and strengthens processes of economic inclusion for the migrant population.