{"id":67421,"date":"2026-06-15T10:54:38","date_gmt":"2026-06-15T15:54:38","guid":{"rendered":"https:\/\/elmercuriomanta.ec\/?p=67421"},"modified":"2026-06-15T10:54:38","modified_gmt":"2026-06-15T15:54:38","slug":"el-riesgo-crediticio-se-transforma-en-ecuador-mora-disparada-y-senales-de-alerta","status":"publish","type":"post","link":"https:\/\/elmercuriomanta.ec\/index.php\/2026\/06\/15\/el-riesgo-crediticio-se-transforma-en-ecuador-mora-disparada-y-senales-de-alerta\/","title":{"rendered":"EL RIESGO CREDITICIO SE TRANSFORMA EN ECUADOR: MORA DISPARADA Y SE\u00d1ALES DE ALERTA"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Los n\u00fameros de abril de 2026 ya no permiten mirar hacia otro lado. Detr\u00e1s de la morosidad del sistema cooperativo ecuatoriano emerge una realidad preocupante: el riesgo crediticio cambi\u00f3 de forma y las alertas se multiplican.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"827\" src=\"https:\/\/elmercuriomanta.ec\/wp-content\/uploads\/2026\/06\/image-221-1024x827.png\" alt=\"\" class=\"wp-image-67422\" srcset=\"https:\/\/elmercuriomanta.ec\/wp-content\/uploads\/2026\/06\/image-221-1024x827.png 1024w, https:\/\/elmercuriomanta.ec\/wp-content\/uploads\/2026\/06\/image-221-300x242.png 300w, https:\/\/elmercuriomanta.ec\/wp-content\/uploads\/2026\/06\/image-221-768x620.png 768w, https:\/\/elmercuriomanta.ec\/wp-content\/uploads\/2026\/06\/image-221.png 1396w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Seg\u00fan Ricardo Luna, abogado especializado en finanzas, las cooperativas m\u00e1s grandes del pa\u00eds (Segmento 1) muestran diferencias extremas: la mora oscila entre 1,16% y 16,13%. No es dispersi\u00f3n habitual, sino el reflejo de gestiones opuestas. Mientras Servidores P\u00fablicos Educaci\u00f3n registra apenas 1,16%, la Cooperativa Polic\u00eda Nacional alcanza 16,13% \u2014una cifra que desmiente que los ingresos p\u00fablicos garanticen cartera sana.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para Luna, una mora superior al 10% exige revisar an\u00e1lisis crediticio, cobranza y alertas tempranas, sin excusas. En microcr\u00e9dito, el deterioro es a\u00fan m\u00e1s visible. Hans Peter Meza, consultor en Business Intelligence, se\u00f1ala que entre 2020 y 2025 la mora salt\u00f3 de 5,7% a 9,3% (+63%). Causas: recuperaci\u00f3n desigual, menor consumo, sobreendeudamiento y cr\u00e9dito usado para sobrevivir, no para crecer. A nivel total, la mora financiera subi\u00f3 del 3,4% (2020) al 4,5% (2025), con inflexi\u00f3n entre 2022 y 2024, tras el fin de los alivios pand\u00e9micos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfFen\u00f3meno temporal o transformaci\u00f3n estructural? Los datos inclinan hacia lo segundo. Adem\u00e1s, desde 2018 hay 43 cooperativas en liquidaci\u00f3n forzosa (SEPS). Ambato (14), Quito (8), Cuenca (5) y Guayaquil (4) concentran los casos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los n\u00fameros de abril de 2026 ya no permiten mirar hacia otro lado. Detr\u00e1s de la morosidad del sistema cooperativo ecuatoriano emerge una realidad preocupante: el riesgo crediticio cambi\u00f3 de forma y las alertas se multiplican.<\/p>\n","protected":false},"author":14,"featured_media":67422,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[106,19],"tags":[],"class_list":["post-67421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nacionales","category-portada-1"],"_links":{"self":[{"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/posts\/67421","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/comments?post=67421"}],"version-history":[{"count":1,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/posts\/67421\/revisions"}],"predecessor-version":[{"id":67423,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/posts\/67421\/revisions\/67423"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/media\/67422"}],"wp:attachment":[{"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/media?parent=67421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/categories?post=67421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elmercuriomanta.ec\/index.php\/wp-json\/wp\/v2\/tags?post=67421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}