Abstract
Nowadays on association of savings and credits in order to get participation in a very competitive and more informed beneficiaries, should have a healthy and efficient financial situation, which allow them project financial strength. Hence, the objective for this investigation is evaluate the efficiency over the loan portfolio on “Jardin Azuayo” credits and savings association, through financial and performance indicators, with the application of nonparametric model of data envelopment analysis (DEA) using the CCR model, through the Excel Solver tool, for which it has been contemplated as input variables the operating expenses, cost per credit person and financing expenses, and as an output variables the loan portfolio, loan portfolio at risk, and the net profit, comparing the two portfolio type which are offered by the institution, common loan portfolio and credit line over the 2016 – 2018 years. According to the results obtained, the “Jardin Azuayo” savings and credits association has an efficient and profitable loan portfolio.
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