Abstract
The purpose of this research was to ANALYZE THE CREDIT RISK THROUGH THE TRANSITION MATRIX METHODOLOGY IN THE SAVINGS AND CREDIT COOPERATIVE “FERNANDO DAQUILEMA” LTDA., In order to strengthen the comprehensive risk management, based on requirements of models and procedures of monitoring required by the Superintendency of Popular and Solidarity Economy (SEPS) control entity, for the construction of the matrices historical information was compiled from the periods March 2018 - April 2019 monthly in order to know the improvement or deterioration of the qualification of an obligation.
 The results achieved in the present investigation is to have known the current situation of the financial institution, given its weaknesses it was recommended to minimize its operating expenses to improve its profitability and efficiency, in addition a deficit of its portfolio provisions was found calculated the expected loss for which was suggested to review its methodology for granting credit in order to find weaknesses in the process.
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