Predictive Approach to Commercial Credit Risk in Ecuadorian Food Companies

Authors

  • Gustavo Flores-Sánchez Profesor, Facultad de Ciencias Económicas y Administrativas, Universidad de Cuenca, Cuenca, Ecuador. https://orcid.org/0000-0003-4123-2644
  • Jorge Campoverde-Campoverde Decano, Facultad de Ciencias Económicas y Administrativas, Universidad de Cuenca, Cuenca, Ecuador.
  • Armando Romero-Galarza Investigador Junior, Facultad de Ciencias Económicas y Administrativas, Universidad de Cuenca, Cuenca, Ecuador. https://orcid.org/0000-0003-1149-4299
  • Katherine Coronel-Pangol Investigadora Junior, Facultad de Ciencias Económicas y Administrativas, Universidad de Cuenca, Cuenca, Ecuador. https://orcid.org/0000-0003-4370-756X

DOI:

https://doi.org/10.18046/j.estger.2021.160.4022

Keywords:

credit risk, food sector, logit, credit portfolio

Abstract

This article aimed to analyze the probability of commercial credit risk of 650 Ecuadorian companies in the food sector, through inferential statistical analysis and implementation of a logistic regression model. In effect, three hypotheses were converged, indicating that liquidity, size, and location of the company influence the probability of credit risk. The results of the model significantly showed that companies located in the Sierra, large in size, and with high liquidity are those with the highest probability of risk. These derivations provide a predictive approximation of the credit risk of food companies, and a contribution to the discussion in business, academic, and scientific spaces.

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Published

2021-06-23

Issue

Section

Research articles

How to Cite

Predictive Approach to Commercial Credit Risk in Ecuadorian Food Companies. (2021). Estudios Gerenciales, 37(160), 413-424. https://doi.org/10.18046/j.estger.2021.160.4022