CUADRO EVOLUTIVO DEL TOTAL ACTIVO DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en Bolivianos)
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 1,353,346,004 1,568,762,409 1,696,959,195 1,829,226,228 1,730,370,612 1,838,266,248 1,791,434,680 1,840,630,092 1,775,587,429 1,768,088,893 1,782,480,979
CSM San Martín de Porres Ltda. 736,814,476 821,698,587 897,019,695 922,445,898 913,933,655 918,612,428 913,649,819 924,151,297 927,363,319 938,653,267 946,384,903
CFA Fátima Ltda. 473,225,012 507,537,032 504,416,915 535,535,226 544,705,788 543,828,825 543,415,186 548,443,056 549,618,146 548,755,788 550,549,039
CSP San Pedro Ltda. 145,660,610 141,902,685 137,711,057 143,696,918 142,911,285 141,605,919 142,801,090 145,561,058 140,845,827 136,217,009 133,566,652
CLY Loyola Ltda. 133,692,229 144,660,530 161,189,641 189,116,075 197,426,669 197,666,381 204,296,531 207,356,039 221,826,581 228,225,747 234,509,705
CSA San Antonio Ltda 214,742,759 249,179,070 262,970,398 275,827,292 273,593,725 272,028,022 281,541,479 291,723,299 298,029,811 306,689,682 314,475,801
CPX Pío X Ltda. 133,723,064 153,056,226 183,702,840 195,320,586 199,225,511 198,252,627 198,010,653 205,336,839 204,795,700 207,116,900 210,979,112
CIH Inca Huasi Ltda. 157,688,700 172,451,689 181,385,747 192,348,645 195,426,291 198,624,156 200,343,673 202,741,361 205,552,760 210,324,759 214,352,982
CQC Quillacollo Ltda. 162,650,884 171,775,451 168,144,375 171,368,309 174,944,288 172,292,015 176,424,820 178,301,467 185,769,969 186,158,572 187,151,553
CJP San José de Punata Ltda. 85,166,466 99,011,779 108,164,675 119,616,927 121,596,682 121,988,717 121,666,218 122,896,946 126,631,666 128,810,017 131,008,917
CMG Monseñor Félix Gainza Ltda. 83,156,002 86,047,562 89,760,639 94,148,124 93,454,995 96,479,361 99,758,310 103,359,931 104,251,880 105,812,318 108,835,430
CEC Educadores Gran Chaco Ltda. 56,211,883 61,160,684 66,401,564 68,294,014 68,457,239 67,404,699 66,892,541 65,372,110 63,747,391 62,756,155 63,106,758
CCR El Chorolque Ltda. 151,317,293 157,612,113 168,379,677 184,183,930 186,741,285 193,960,554 197,224,201 204,995,511 207,481,522 213,427,813 223,612,176
CCM Comarapa Ltda. 110,462,715 115,756,038 127,167,320 127,124,643 120,590,541 122,249,275 130,153,070 137,820,681 139,085,234 135,113,805 144,400,210
CST San Mateo Ltda. 79,832,641 81,082,400 87,466,923 88,707,173 92,804,100 93,874,762 95,596,322 97,047,486 98,948,611 98,193,540 97,979,467
CTR Trinidad Ltda. 54,267,700 55,428,621 56,155,462 58,793,240 57,511,212 56,993,012 56,634,945 57,294,284 55,870,612 57,922,175 57,736,906
CJO San Joaquín Ltda. 69,185,470 79,423,513 88,367,813 97,502,124 99,583,598 102,953,067 101,991,963 102,081,327 103,645,919 105,688,929 106,283,011
CMR Magisterio Rural Ltda. 101,395,489 107,516,481 122,591,190 132,271,773 135,588,323 142,364,989 149,593,012 152,120,875 151,103,446 153,809,406 158,569,046
CJB San José de Bermejo Ltda. 68,196,827 71,299,752 74,292,297 74,707,221 72,537,960 71,233,169 73,935,847 76,668,244 74,755,773 74,516,848 76,185,177
CCP Catedral Ltda. 166,118,365 177,505,141 178,794,438 184,357,749 184,248,621 185,226,534 185,590,515 196,896,487 200,185,493 208,530,539 214,716,587
CAS Asunción Ltda. 173,724,970 194,757,066 221,055,449 236,095,437 237,611,696 246,982,915 253,069,052 255,313,397 250,549,075 260,852,049 272,141,360
CCA Catedral de Tarija Ltda. 116,281,347 122,279,215 127,391,397 135,641,942 137,605,820 138,771,657 137,494,874 138,947,832 138,821,901 138,096,182 140,865,692
CSR San Roque Ltda. 120,248,770 139,500,548 150,585,001 176,664,886 175,913,175 183,346,815 185,223,389 187,038,685 193,191,712 200,133,317 212,354,501
CMM Madre y Maestra Ltda. 74,452,114 85,867,763 95,986,639 102,279,981 104,864,770 106,006,310 106,671,791 106,066,802 107,086,774 109,417,215 112,277,001
CME La Merced Ltda. 254,456,151 284,303,715 302,259,748 315,172,846 314,299,098 315,079,533 320,289,141 321,792,448 323,870,607 319,700,336 319,696,755
CCB San Carlos Borromeo Ltda. 77,462,092 82,901,985 88,460,892 92,084,471 93,754,674 95,297,499 102,156,444 106,149,185 106,345,598 108,800,783 112,989,084
CCF CACEF R.L. 215,727,580 214,898,723 226,034,124 235,453,708 239,625,271 246,928,106 259,267,508
CPG Progreso R.L. 233,720,121 245,674,339 251,830,485 249,067,414 259,962,450 261,753,701
CLS La Sagrada Familia R.L. 59,009,979 58,904,948 59,222,291
CMD Magisterio Rural de Chuquisaca R.L. 221,226,476 233,008,633 234,924,036
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DE LA CARTERA NETA DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en Bolivianos)
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 915,822,628 1,008,606,393 1,040,552,356 1,105,194,643 1,112,417,337 1,111,549,757 1,124,238,943 1,130,324,902 1,128,575,691 1,145,012,283 1,180,105,284
CSM San Martín de Porres Ltda. 554,640,200 617,765,169 652,886,647 679,765,714 677,851,327 680,160,202 676,216,790 676,377,576 673,690,420 675,603,280 683,019,433
CFA Fátima Ltda. 317,757,025 339,353,464 346,860,865 350,563,057 345,094,033 345,590,722 348,411,978 354,407,403 341,981,888 339,083,308 335,333,856
CSP San Pedro Ltda. 102,694,122 89,343,644 86,163,674 85,385,844 81,764,248 79,842,299 77,391,145 76,721,865 72,203,337 68,191,605 66,971,268
CLY Loyola Ltda. 90,499,018 104,564,524 121,924,039 130,494,545 133,271,639 135,653,136 143,679,192 151,238,867 152,338,531 158,421,578 160,969,146
CSA San Antonio Ltda 160,846,563 185,309,262 199,128,974 212,272,927 213,742,127 212,501,985 224,657,564 232,081,814 234,407,778 242,555,574 252,163,930
CPX Pío X Ltda. 104,859,055 121,269,363 143,602,188 152,346,955 153,477,050 153,950,756 156,775,998 162,942,811 164,651,790 166,277,867 170,222,147
CIH Inca Huasi Ltda. 116,792,637 126,666,216 137,376,822 142,837,264 145,048,697 148,615,131 152,515,226 153,067,428 153,853,334 154,618,452 157,946,549
CQC Quillacollo Ltda. 125,672,917 130,140,423 132,200,616 130,513,910 129,271,872 134,579,579 141,508,449 144,126,887 145,315,784 147,060,590 143,370,875
CJP San José de Punata Ltda. 65,953,905 76,251,814 87,877,318 96,590,077 96,693,895 94,504,874 97,217,760 99,879,411 100,261,236 104,591,263 107,671,375
CMG Monseñor Félix Gainza Ltda. 64,487,467 65,822,832 68,278,298 73,624,276 75,575,379 75,002,542 77,436,560 80,687,335 83,111,900 83,678,117 83,449,419
CEC Educadores Gran Chaco Ltda. 41,932,283 45,309,062 53,851,474 51,484,342 49,849,860 48,721,568 49,553,365 47,888,672 46,771,687 47,881,404 48,899,327
CCR El Chorolque Ltda. 120,041,887 130,183,821 136,642,943 148,467,504 147,382,155 149,639,351 154,644,608 160,075,048 161,818,637 164,529,763 167,990,313
CCM Comarapa Ltda. 75,069,299 83,163,125 83,407,925 96,548,796 94,279,900 91,538,432 91,621,499 93,138,394 94,137,674 94,775,508 101,688,075
CST San Mateo Ltda. 58,567,285 58,846,853 63,107,125 64,701,683 64,313,632 65,613,306 69,085,133 70,884,995 69,354,676 72,808,096 75,373,613
CTR Trinidad Ltda. 45,355,029 47,144,387 46,323,193 48,674,939 48,812,461 48,602,095 49,144,676 49,774,127 48,876,296 50,912,172 51,218,618
CJO San Joaquín Ltda. 52,548,003 58,601,325 65,659,841 70,169,650 70,676,170 71,305,831 73,041,922 74,614,604 71,599,856 70,254,131 72,959,102
CMR Magisterio Rural Ltda. 81,995,424 85,395,517 96,674,785 107,338,079 110,419,711 112,934,100 121,046,890 127,441,020 130,159,481 128,259,306 131,366,670
CJB San José de Bermejo Ltda. 45,596,842 47,884,290 48,345,775 52,214,997 51,721,416 49,656,774 49,558,037 51,452,948 51,707,577 52,560,719 53,501,110
CCP Catedral Ltda. 124,998,518 127,629,304 132,065,991 138,526,543 135,697,351 137,313,482 141,350,050 147,647,398 154,466,795 158,681,437 164,406,940
CAS Asunción Ltda. 115,976,263 125,971,931 150,534,615 165,738,436 168,997,903 168,011,274 172,449,040 177,017,584 176,402,980 181,068,421 188,367,477
CCA Catedral de Tarija Ltda. 78,791,523 83,214,625 87,275,341 91,139,804 92,419,459 95,578,728 96,315,279 98,016,857 96,470,520 95,318,925 96,413,978
CSR San Roque Ltda. 86,682,001 103,798,398 113,193,278 125,660,795 126,508,357 125,911,356 127,775,659 136,656,355 135,997,808 140,540,821 145,445,207
CMM Madre y Maestra Ltda. 54,846,489 63,607,199 69,824,776 74,397,422 74,830,945 75,555,261 76,769,723 78,840,792 77,727,504 79,442,087 81,007,698
CME La Merced Ltda. 191,653,147 216,174,926 222,511,619 225,403,570 221,949,252 225,487,054 231,640,250 234,927,510 233,574,022 231,336,293 232,819,244
CCB San Carlos Borromeo Ltda. 59,359,486 64,698,494 67,297,182 77,527,317 76,359,194 77,769,843 81,882,748 87,000,740 87,465,769 87,977,864 89,100,932
CCF CACEF R.L. 161,197,058 163,993,543 172,275,305 179,384,553 182,099,870 188,803,693 198,235,307
CPG Progreso R.L. 182,623,133 194,919,133 203,454,218 203,312,244 205,016,291 205,699,759
CLS La Sagrada Familia R.L. 53,334,858 53,724,705 54,192,806
CMD Magisterio Rural de Chuquisaca R.L. 167,238,962 170,883,152 178,867,303
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DE LAS OBLIGACIONES CON EL PÚBLICO DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en Bolivianos)
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 985,748,827 1,155,147,269 1,217,603,726 1,340,168,663 1,250,663,735 1,311,385,707 1,274,227,117 1,338,352,713 1,288,649,413 1,292,556,774 1,238,847,977
CSM San Martín de Porres Ltda. 607,658,239 641,741,676 704,365,528 732,210,693 718,435,439 719,108,578 707,616,392 721,239,357 726,076,245 732,702,213 741,374,155
CFA Fátima Ltda. 375,811,842 398,343,861 416,675,881 430,286,240 429,303,422 427,729,819 427,149,375 430,610,421 433,008,695 432,028,595 430,898,482
CSP San Pedro Ltda. 113,361,828 106,756,381 104,361,665 110,355,421 109,492,448 109,046,542 110,513,333 110,141,984 107,116,425 106,010,965 104,915,291
CLY Loyola Ltda. 90,077,465 96,256,914 110,503,255 135,779,967 143,036,606 142,884,631 149,306,834 152,057,816 166,022,082 171,852,244 168,133,807
CSA San Antonio Ltda 154,939,847 176,415,397 185,527,002 199,386,484 200,208,257 202,616,259 202,097,082 205,715,949 214,462,532 223,317,474 226,414,525
CPX Pío X Ltda. 98,936,275 108,138,505 123,813,566 137,461,765 141,705,277 146,174,886 145,448,672 149,601,915 147,862,793 151,130,223 153,625,470
CIH Inca Huasi Ltda. 117,022,494 129,186,866 133,917,706 142,619,039 145,071,671 147,947,294 148,922,807 150,504,685 152,888,387 157,529,619 161,052,120
CQC Quillacollo Ltda. 127,089,334 133,565,613 126,983,960 129,041,628 132,920,688 130,667,194 133,797,970 133,677,481 140,369,128 140,282,313 140,827,956
CJP San José de Punata Ltda. 60,380,108 71,696,030 78,804,008 88,351,463 89,819,832 90,425,990 89,524,294 90,364,334 93,409,818 95,714,062 97,444,245
CMG Monseñor Félix Gainza Ltda. 52,413,152 53,558,179 56,261,819 60,439,222 59,160,214 60,395,894 62,691,611 64,457,680 64,318,558 65,587,448 67,011,627
CEC Educadores Gran Chaco Ltda. 43,793,723 46,623,393 51,159,746 52,300,730 52,377,054 51,165,727 50,220,114 48,870,515 47,799,638 47,648,598 48,343,881
CCR El Chorolque Ltda. 119,475,495 124,534,966 132,618,766 144,858,924 146,132,910 152,555,608 154,367,344 160,683,436 161,733,168 167,391,040 175,719,327
CCM Comarapa Ltda. 94,085,539 97,351,750 109,052,706 109,377,181 102,452,229 103,913,968 111,539,755 119,238,811 115,037,089 113,358,309 122,411,961
CST San Mateo Ltda. 65,056,655 66,200,660 71,610,241 72,091,478 76,035,263 76,980,317 78,375,221 79,847,895 81,567,353 80,903,387 80,564,008
CTR Trinidad Ltda. 42,931,079 44,902,215 44,606,721 47,289,218 45,952,782 45,698,554 45,623,372 46,034,905 44,503,847 46,498,622 46,264,092
CJO San Joaquín Ltda. 55,648,293 64,051,099 73,300,823 81,532,161 83,855,905 87,042,265 85,974,347 85,713,507 87,353,144 89,225,524 90,073,043
CMR Magisterio Rural Ltda. 83,350,753 87,739,915 100,605,903 108,851,126 111,225,332 114,901,582 117,923,759 118,841,662 116,287,824 120,106,357 124,146,246
CJB San José de Bermejo Ltda. 51,789,088 54,255,842 57,355,148 57,666,027 55,215,317 53,878,949 56,409,328 59,294,235 57,231,483 56,346,957 57,615,029
CCP Catedral Ltda. 140,534,120 153,655,428 150,647,952 156,051,818 155,484,003 157,522,372 157,286,780 168,233,630 170,529,526 177,693,267 182,607,292
CAS Asunción Ltda. 143,714,740 163,853,418 188,050,334 200,010,596 200,124,506 209,102,796 213,518,279 218,015,821 211,280,909 219,485,008 229,719,333
CCA Catedral de Tarija Ltda. 92,389,275 95,026,580 101,223,010 108,821,343 110,576,978 111,672,428 109,630,750 110,898,286 110,064,588 109,968,712 111,877,788
CSR San Roque Ltda. 98,216,463 115,576,785 124,870,445 140,858,115 139,406,946 147,367,785 148,576,568 151,179,795 157,174,588 164,918,283 168,673,125
CMM Madre y Maestra Ltda. 58,684,556 70,535,817 79,320,782 84,737,809 86,763,026 87,746,592 87,740,498 86,959,090 87,411,366 89,821,579 92,032,107
CME La Merced Ltda. 221,441,034 250,516,841 265,157,329 277,552,575 282,384,350 282,495,608 286,914,289 288,984,645 287,931,790 284,742,376 283,725,231
CCB San Carlos Borromeo Ltda. 65,758,069 70,677,100 74,982,579 76,572,930 78,013,176 78,215,462 85,305,630 88,767,594 88,802,104 90,344,540 92,448,630
CCF CACEF R.L. 153,110,879 162,134,851 174,881,427 177,694,273 180,059,428 187,719,798 195,958,040
CPG Progreso R.L. 193,711,180 198,532,024 203,480,430 195,887,789 203,133,673 206,587,544
CLS La Sagrada Familia R.L. 23,097,933 24,345,705 25,839,442
CMD Magisterio Rural de Chuquisaca R.L. 182,001,508 191,796,080 192,354,464
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DE LAS OBLIGACIONES CON EIFs DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en Bolivianos)
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 130,439,956 141,314,935 190,916,840 203,770,433 170,443,615 198,173,822 188,350,104 171,298,698 161,813,853 150,102,662 204,651,692
CSM San Martín de Porres Ltda. 46,505,881 89,600,451 95,217,142 89,332,557 94,747,213 96,514,735 100,086,135 98,103,573 94,805,567 99,843,630 98,301,421
CFA Fátima Ltda. 27,536,269 35,098,141 14,254,393 24,717,049 34,400,554 34,850,094 35,304,574 35,759,054 34,448,699 35,752,958 36,241,442
CSP San Pedro Ltda. - - - - - - - - - - -
CLY Loyola Ltda. - - - - - - - - - - 9,834,896
CSA San Antonio Ltda - 9,843,806 13,545,011 8,065,333 4,077,486 2,045,000 10,061,184 13,576,566 9,503,856 10,498,742 13,727,595
CPX Pío X Ltda. 3,039,583 9,367,338 22,326,779 18,714,160 17,614,135 12,266,631 11,895,072 14,036,339 13,905,954 13,815,262 13,661,551
CIH Inca Huasi Ltda. - - - 2,375,000 2,250,000 2,125,000 2,000,000 1,875,000 1,750,000 1,625,000 1,500,000
CQC Quillacollo Ltda. - 1,015,918 2,853,426 1,682,916 885,081 893,219 902,310 2,456,254 2,966,436 3,490,920 3,016,561
CJP San José de Punata Ltda. - - - - - - - - - - -
CMG Monseñor Félix Gainza Ltda. 98,822 - - - - 1,501,250 1,520,417 3,052,319 3,101,538 3,151,324 3,201,808
CEC Educadores Gran Chaco Ltda. - - - - - - 622,797 769,240 777,224 789,294 708,812
CCR El Chorolque Ltda. 104,373 38,662 138,797 18,950 18,956 18,962 18,968 18,974 18,980 18,986 18,992
CCM Comarapa Ltda. - - 25,725 - - - - 300,000 5,896,001 3,488,000 3,567,683
CST San Mateo Ltda. - - - - - - - - - - -
CTR Trinidad Ltda. - - 344,287 350,193 351,913 - - - - - -
CJO San Joaquín Ltda. 1,515,189 1,374,714 1,445,292 2,526,246 2,020,871 2,019,620 1,573,070 2,009,917 2,009,917 2,010,111 1,509,563
CMR Magisterio Rural Ltda. 39,136 39,218 - - - 3,478,706 6,665,245 6,610,845 6,728,151 5,873,989 5,980,579
CJB San José de Bermejo Ltda. 32,100 7,040 7,046 7,061 7,020 7,061 7,021 7,062 7,021 7,061 7,021
CCP Catedral Ltda. 518,315 29,928 2,029,965 1,030,855 1,030,866 31,662 31,741 31,820 31,897 1,037,035 1,034,668
CAS Asunción Ltda. 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367
CCA Catedral de Tarija Ltda. 208,957 208,957 208,957 208,957 208,957 208,957 208,957 208,957 208,957 208,957 208,957
CSR San Roque Ltda. 1,189,292 1,189,292 2,191,153 10,856,997 11,008,755 9,841,003 10,021,066 9,081,757 9,218,178 8,292,511 16,055,995
CMM Madre y Maestra Ltda. - - - - - - - - - - -
CME La Merced Ltda. 4,186,149 2,073,178 5,362,206 5,050,235 590,651 563,749 563,106 536,264 535,561 508,778 508,017
CCB San Carlos Borromeo Ltda. - - - 1,500,000 1,406,250 2,312,500 2,156,250 2,000,000 1,843,750 2,613,660 3,991,550
CCF CACEF R.L. 29,053,037 18,834,621 15,689,866 20,263,346 20,544,147 20,526,780 21,797,989
CPG Progreso R.L. 353,010 6,355,940 6,097,500 10,205,806 13,827,973 11,516,854
CLS La Sagrada Familia R.L. 24,285,538 22,782,098 21,078,072
CMD Magisterio Rural de Chuquisaca R.L. - 2,300,000 2,300,000
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DEL PATRIMONIO DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en Bolivianos)
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 153,655,733 158,183,004 165,140,163 172,963,387 174,764,219 176,206,689 177,700,664 179,839,376 181,456,328 181,731,149 182,676,041
CSM San Martín de Porres Ltda. 65,058,632 71,298,624 77,598,423 81,857,201 82,188,372 84,092,511 84,958,512 84,356,780 85,406,763 85,742,955 86,229,221
CFA Fátima Ltda. 55,341,549 58,282,647 59,776,201 65,003,972 64,432,064 65,107,414 63,867,513 66,686,896 65,970,933 66,039,040 67,895,689
CSP San Pedro Ltda. 28,915,253 31,141,933 30,455,719 30,168,792 30,264,700 29,324,976 29,308,132 31,810,730 29,953,163 26,421,930 24,813,625
CLY Loyola Ltda. 34,716,263 38,142,497 40,263,571 42,211,579 42,152,111 42,506,248 42,889,157 43,436,297 43,866,609 44,065,629 44,325,275
CSA San Antonio Ltda 50,971,901 53,303,251 54,659,892 57,945,210 58,943,021 57,461,877 58,565,698 60,985,229 61,733,391 61,963,292 63,172,544
CPX Pío X Ltda. 24,834,670 27,217,461 29,143,113 31,310,483 31,612,647 32,774,829 33,935,332 33,191,813 33,887,204 34,374,139 35,225,379
CIH Inca Huasi Ltda. 33,628,436 35,711,819 38,156,010 40,131,845 40,599,167 41,184,011 41,781,261 42,261,788 42,829,143 43,102,107 43,579,487
CQC Quillacollo Ltda. 27,111,108 28,947,418 29,613,994 31,442,601 32,042,783 31,982,808 31,635,327 32,196,658 32,658,172 32,100,299 32,660,185
CJP San José de Punata Ltda. 19,976,353 21,180,672 22,420,100 23,678,144 23,777,508 24,465,451 25,140,585 24,629,227 25,796,083 25,303,928 25,941,078
CMG Monseñor Félix Gainza Ltda. 25,036,827 26,240,126 27,122,859 27,669,254 28,034,938 28,424,874 28,983,377 29,314,080 30,483,125 31,132,969 32,410,733
CEC Educadores Gran Chaco Ltda. 10,290,061 10,800,765 11,737,091 12,249,440 12,033,967 12,090,215 11,952,712 12,763,013 12,189,689 11,756,953 11,916,992
CCR El Chorolque Ltda. 23,866,582 26,042,485 28,626,473 31,547,604 32,500,174 33,301,628 34,261,905 32,505,253 33,510,456 34,523,312 35,669,178
CCM Comarapa Ltda. 13,022,266 14,706,499 15,320,975 15,173,805 15,340,395 15,520,389 15,534,722 15,538,823 15,194,058 15,379,535 15,480,016
CST San Mateo Ltda. 10,884,070 11,338,708 12,098,850 12,815,311 12,727,918 13,040,343 12,998,121 13,398,551 13,138,722 13,430,662 13,858,077
CTR Trinidad Ltda. 9,295,478 9,101,947 9,659,816 9,632,018 9,538,838 9,447,877 9,071,302 9,691,903 9,707,606 9,643,137 9,748,444
CJO San Joaquín Ltda. 9,272,274 10,171,869 10,182,083 10,114,469 10,364,359 10,361,955 10,619,268 10,590,634 10,662,986 10,707,019 10,820,855
CMR Magisterio Rural Ltda. 13,918,265 15,071,447 16,797,598 18,156,730 18,738,254 18,513,570 19,274,015 20,093,357 21,128,295 21,386,542 21,859,681
CJB San José de Bermejo Ltda. 13,560,439 13,816,931 13,980,423 14,041,222 14,368,780 14,224,314 14,364,189 14,125,345 14,236,834 14,803,711 15,020,608
CCP Catedral Ltda. 19,869,467 19,444,025 21,070,380 21,540,927 22,122,587 22,110,959 22,467,671 23,261,621 23,707,285 24,032,266 24,923,209
CAS Asunción Ltda. 16,735,524 18,257,280 20,621,883 22,605,308 24,108,865 24,705,790 26,138,364 23,606,774 25,914,111 27,854,248 28,810,938
CCA Catedral de Tarija Ltda. 17,795,143 19,652,857 19,690,643 20,333,635 20,449,311 20,411,313 20,794,945 21,147,126 21,648,809 20,909,396 21,556,658
CSR San Roque Ltda. 16,092,886 18,013,759 18,339,804 19,228,725 19,532,438 19,851,019 20,039,940 20,160,618 20,155,410 20,347,495 20,596,294
CMM Madre y Maestra Ltda. 9,670,311 9,553,788 10,450,571 11,399,774 11,662,391 12,054,403 12,382,421 12,238,715 12,543,955 12,359,777 12,646,536
CME La Merced Ltda. 22,270,247 24,658,983 25,388,929 26,030,879 24,428,547 24,684,546 25,251,582 26,281,632 26,684,432 27,081,246 27,741,505
CCB San Carlos Borromeo Ltda. 8,526,715 9,268,711 10,104,161 10,787,173 11,225,724 11,399,614 11,078,875 11,653,598 11,939,134 11,937,527 12,534,531
CCF CACEF R.L. 26,029,042 25,985,389 27,300,024 25,774,865 28,250,078 27,691,786 29,342,857
CPG Progreso R.L. 32,724,752 33,112,585 34,487,391 34,724,513 35,254,329 35,560,020
CLS La Sagrada Familia R.L. 9,082,748 9,325,392 9,568,127
CMD Magisterio Rural de Chuquisaca R.L. 27,467,676 27,478,280 28,228,090
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DE LOS RESULTADOS NETOS DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en Bolivianos)
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 7,413,043 2,016,548 2,673,433 3,439,440 608,845 2,090,271 2,534,304 3,813,148 200,748 938,253 1,181,060
CSM San Martín de Porres Ltda. 4,253,397 4,293,744 4,311,671 2,760,349 693,182 1,482,638 2,314,328 3,444,150 912,690 1,615,791 2,638,926
CFA Fátima Ltda. (2,554,008) 4,008,698 1,529,264 6,601,729 (560,031) 355,236 12,078 2,997,461 (429,387) 253,622 2,124,470
CSP San Pedro Ltda. 1,082,521 1,437,265 (1,373,241) (781,075) 26,208 (841,792) (899,856) 1,339,942 (1,506,951) (4,917,209) (6,549,354)
CLY Loyola Ltda. 2,509,434 3,855,578 2,781,408 2,515,434 659,539 970,475 1,309,010 1,739,981 390,552 1,069,690 1,278,172
CSA San Antonio Ltda 3,098,463 3,317,007 2,502,325 2,576,898 827,251 773,687 1,673,107 3,428,158 547,042 935,279 1,899,651
CPX Pío X Ltda. 2,152,864 2,550,447 1,895,177 1,457,775 424,102 1,566,143 2,696,887 1,852,527 856,324 1,325,579 2,157,159
CIH Inca Huasi Ltda. 3,443,380 2,620,715 2,405,556 2,125,112 457,057 1,270,704 1,868,029 2,343,870 558,277 1,110,774 1,585,829
CQC Quillacollo Ltda. 3,001,099 1,769,240 1,221,656 2,120,914 406,902 304,888 972,404 1,501,705 222,904 388,724 925,780
CJP San José de Punata Ltda. 2,653,431 2,501,614 2,087,366 1,621,737 893,621 1,492,690 2,101,313 1,542,038 957,931 1,300,969 1,869,975
CMG Monseñor Félix Gainza Ltda. 2,770,165 1,819,272 1,158,110 553,866 345,974 681,739 1,229,514 1,369,086 1,151,040 1,980,283 3,049,990
CEC Educadores Gran Chaco Ltda. 62,364 408,858 175,443 180,763 (245,269) (408,317) (600,458) 29,693 (590,011) (1,050,369) (905,586)
CCR El Chorolque Ltda. 3,960,504 2,443,194 2,615,814 3,000,682 903,951 1,969,093 2,880,730 1,011,598 924,233 1,995,589 3,094,744
CCM Comarapa Ltda. 1,377,921 1,541,129 429,133 (456,514) 115,091 238,484 205,418 178,418 (375,976) (221,799) (143,476)
CST San Mateo Ltda. 1,518,215 300,202 501,828 409,204 (151,019) 72,559 (62,305) 303,601 (324,668) (148,110) 171,568
CTR Trinidad Ltda. 285,972 (132,441) 527,660 21,938 (107,329) (210,355) (599,886) 11,416 8,199 (69,110) 22,593
CJO San Joaquín Ltda. 739,269 891,670 321,829 (95,279) 185,149 174,136 400,219 340,925 12,892 205,668 288,784
CMR Magisterio Rural Ltda. 1,964,742 1,215,338 1,722,193 1,384,873 546,246 426,605 1,138,834 1,920,800 998,344 1,418,357 1,862,735
CJB San José de Bermejo Ltda. 780,839 387,668 72,859 56,985 367,456 290,291 461,266 293,517 145,704 818,935 1,083,033
CCP Catedral Ltda. 2,782,507 243,850 1,037,235 209,175 348,810 375,937 601,374 1,000,919 187,069 1,001,874 1,396,977
CAS Asunción Ltda. 2,174,369 1,722,788 2,337,192 2,463,132 1,324,498 2,583,534 3,911,537 1,300,376 2,196,492 4,143,070 4,840,846
CCA Catedral de Tarija Ltda. 1,374,660 1,954,335 196,528 504,102 83,119 98,276 458,927 791,198 472,588 (166,624) 471,132
CSR San Roque Ltda. 1,626,176 1,399,865 781,462 1,092,911 271,836 1,005,061 1,160,362 1,250,241 (43,699) 117,923 315,272
CMM Madre y Maestra Ltda. 1,147,743 60,923 649,185 666,592 252,117 410,482 731,880 579,464 511,240 317,162 593,610
CME La Merced Ltda. (1,621,988) 1,066,313 301,003 135,955 (2,091,262) (2,100,812) (2,019,396) (1,228,926) 155,779 336,534 711,853
CCB San Carlos Borromeo Ltda. 1,033,943 472,331 483,606 388,752 353,801 539,817 192,478 726,400 220,336 393,406 997,660
CCF CACEF R.L. 1,732,314 2,458,578 3,683,913 1,543,254 1,756,913 2,494,149 3,353,121
CPG Progreso R.L. 576,392 1,069,702 1,741,307 328,652 805,269 1,059,875
CLS La Sagrada Familia R.L. (109,383) (51,188) 118,396
CMD Magisterio Rural de Chuquisaca R.L. 541,317 1,153,907 1,795,717
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DEL ÍNDICE DE ESTRUCTURA (CARTERA NETA / TOTAL ACTIVO) DE COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en porcentaje) Referencia: Entre el 65% y 80%
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 67.67% 64.29% 61.32% 60.42% 64.29% 60.47% 62.76% 61.41% 63.56% 64.76% 66.21%
CSM San Martín de Porres Ltda. 75.28% 75.18% 72.78% 73.69% 74.17% 74.04% 74.01% 73.19% 72.65% 71.98% 72.17%
CFA Fátima Ltda. 67.15% 66.86% 68.76% 65.46% 63.35% 63.55% 64.12% 64.62% 62.22% 61.79% 60.91%
CSP San Pedro Ltda. 70.50% 62.96% 62.57% 59.42% 57.21% 56.38% 54.20% 52.71% 51.26% 50.06% 50.14%
CLY Loyola Ltda. 67.69% 72.28% 75.64% 69.00% 67.50% 68.63% 70.33% 72.94% 68.67% 69.41% 68.64%
CSA San Antonio Ltda 74.90% 74.37% 75.72% 76.96% 78.12% 78.12% 79.80% 79.56% 78.65% 79.09% 80.19%
CPX Pío X Ltda. 78.42% 79.23% 78.17% 78.00% 77.04% 77.65% 79.18% 79.35% 80.40% 80.28% 80.68%
CIH Inca Huasi Ltda. 74.07% 73.45% 75.74% 74.26% 74.22% 74.82% 76.13% 75.50% 74.85% 73.51% 73.69%
CQC Quillacollo Ltda. 77.27% 75.76% 78.62% 76.16% 73.89% 78.11% 80.21% 80.83% 78.22% 79.00% 76.61%
CJP San José de Punata Ltda. 77.44% 77.01% 81.24% 80.75% 79.52% 77.47% 79.91% 81.27% 79.18% 81.20% 82.19%
CMG Monseñor Félix Gainza Ltda. 77.55% 76.50% 76.07% 78.20% 80.87% 77.74% 77.62% 78.06% 79.72% 79.08% 76.67%
CEC Educadores Gran Chaco Ltda. 74.60% 74.08% 81.10% 75.39% 72.82% 72.28% 74.08% 73.26% 73.37% 76.30% 77.49%
CCR El Chorolque Ltda. 79.33% 82.60% 81.15% 80.61% 78.92% 77.15% 78.41% 78.09% 77.99% 77.09% 75.13%
CCM Comarapa Ltda. 67.96% 71.84% 65.59% 75.95% 78.18% 74.88% 70.40% 67.58% 67.68% 70.14% 70.42%
CST San Mateo Ltda. 73.36% 72.58% 72.15% 72.94% 69.30% 69.89% 72.27% 73.04% 70.09% 74.15% 76.93%
CTR Trinidad Ltda. 83.58% 85.05% 82.49% 82.79% 84.87% 85.28% 86.77% 86.87% 87.48% 87.90% 88.71%
CJO San Joaquín Ltda. 75.95% 73.78% 74.30% 71.97% 70.97% 69.26% 71.62% 73.09% 69.08% 66.47% 68.65%
CMR Magisterio Rural Ltda. 80.87% 79.43% 78.86% 81.15% 81.44% 79.33% 80.92% 83.78% 86.14% 83.39% 82.85%
CJB San José de Bermejo Ltda. 66.86% 67.16% 65.08% 69.89% 71.30% 69.71% 67.03% 67.11% 69.17% 70.54% 70.23%
CCP Catedral Ltda. 75.25% 71.90% 73.86% 75.14% 73.65% 74.13% 76.16% 74.99% 77.16% 76.10% 76.57%
CAS Asunción Ltda. 66.76% 64.68% 68.10% 70.20% 71.12% 68.03% 68.14% 69.33% 70.41% 69.41% 69.22%
CCA Catedral de Tarija Ltda. 67.76% 68.05% 68.51% 67.19% 67.16% 68.87% 70.05% 70.54% 69.49% 69.02% 68.44%
CSR San Roque Ltda. 72.09% 74.41% 75.17% 71.13% 71.92% 68.67% 68.98% 73.06% 70.40% 70.22% 68.49%
CMM Madre y Maestra Ltda. 73.67% 74.08% 72.74% 72.74% 71.36% 71.27% 71.97% 74.33% 72.58% 72.60% 72.15%
CME La Merced Ltda. 75.32% 76.04% 73.62% 71.52% 70.62% 71.57% 72.32% 73.01% 72.12% 72.36% 72.83%
CCB San Carlos Borromeo Ltda. 76.63% 78.04% 76.08% 84.19% 81.45% 81.61% 80.15% 81.96% 82.25% 80.86% 78.86%
CCF CACEF R.L. 74.72% 76.31% 76.22% 76.19% 75.99% 76.46% 76.46%
CPG Progreso R.L. 78.14% 79.34% 80.79% 81.63% 78.86% 78.59%
CLS La Sagrada Familia R.L. 90.38% 91.21% 91.51%
CMD Magisterio Rural de Chuquisaca R.L. 75.60% 73.34% 76.14%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO ÍNDICE DE ESTRUCTURA (OBLIGACIONES CON EL PÚBLICO / PASIVO + PATRIMONIO) DE COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en porcentaje) Referencia: Entre el 60% y 85%
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 72.84% 73.63% 71.75% 73.26% 72.28% 71.34% 71.13% 72.71% 72.58% 73.10% 69.50%
CSM San Martín de Porres Ltda. 82.47% 78.10% 78.52% 79.38% 78.61% 78.28% 77.45% 78.04% 78.29% 78.06% 78.34%
CFA Fátima Ltda. 79.42% 78.49% 82.61% 80.35% 78.81% 78.65% 78.60% 78.52% 78.78% 78.73% 78.27%
CSP San Pedro Ltda. 77.83% 75.23% 75.78% 76.80% 76.62% 77.01% 77.39% 75.67% 76.05% 77.83% 78.55%
CLY Loyola Ltda. 67.38% 66.54% 68.55% 71.80% 72.45% 72.29% 73.08% 73.33% 74.84% 75.30% 71.70%
CSA San Antonio Ltda 72.15% 70.80% 70.55% 72.29% 73.18% 74.48% 71.78% 70.52% 71.96% 72.82% 72.00%
CPX Pío X Ltda. 73.99% 70.65% 67.40% 70.38% 71.13% 73.73% 73.45% 72.86% 72.20% 72.97% 72.82%
CIH Inca Huasi Ltda. 74.21% 74.91% 73.83% 74.15% 74.23% 74.49% 74.33% 74.23% 74.38% 74.90% 75.13%
CQC Quillacollo Ltda. 78.14% 77.76% 75.52% 75.30% 75.98% 75.84% 75.84% 74.97% 75.56% 75.36% 75.25%
CJP San José de Punata Ltda. 70.90% 72.41% 72.86% 73.86% 73.87% 74.13% 73.58% 73.53% 73.76% 74.31% 74.38%
CMG Monseñor Félix Gainza Ltda. 63.03% 62.24% 62.68% 64.20% 63.30% 62.60% 62.84% 62.36% 61.70% 61.98% 61.57%
CEC Educadores Gran Chaco Ltda. 77.91% 76.23% 77.05% 76.58% 76.51% 75.91% 75.08% 74.76% 74.98% 75.93% 76.61%
CCR El Chorolque Ltda. 78.96% 79.01% 78.76% 78.65% 78.25% 78.65% 78.27% 78.38% 77.95% 78.43% 78.58%
CCM Comarapa Ltda. 85.17% 84.10% 85.76% 86.04% 84.96% 85.00% 85.70% 86.52% 82.71% 83.90% 84.77%
CST San Mateo Ltda. 81.49% 81.65% 81.87% 81.27% 81.93% 82.00% 81.99% 82.28% 82.43% 82.39% 82.23%
CTR Trinidad Ltda. 79.11% 81.01% 79.43% 80.43% 79.90% 80.18% 80.56% 80.35% 79.66% 80.28% 80.13%
CJO San Joaquín Ltda. 80.43% 80.65% 82.95% 83.62% 84.21% 84.55% 84.30% 83.97% 84.28% 84.42% 84.75%
CMR Magisterio Rural Ltda. 82.20% 81.61% 82.07% 82.29% 82.03% 80.71% 78.83% 78.12% 76.96% 78.09% 78.29%
CJB San José de Bermejo Ltda. 75.94% 76.10% 77.20% 77.19% 76.12% 75.64% 76.29% 77.34% 76.56% 75.62% 75.62%
CCP Catedral Ltda. 84.60% 86.56% 84.26% 84.65% 84.39% 85.04% 84.75% 85.44% 85.19% 85.21% 85.05%
CAS Asunción Ltda. 82.73% 84.13% 85.07% 84.72% 84.22% 84.66% 84.37% 85.39% 84.33% 84.14% 84.41%
CCA Catedral de Tarija Ltda. 79.45% 77.71% 79.46% 80.23% 80.36% 80.47% 79.73% 79.81% 79.28% 79.63% 79.42%
CSR San Roque Ltda. 81.68% 82.85% 82.92% 79.73% 79.25% 80.38% 80.21% 80.83% 81.36% 82.40% 79.43%
CMM Madre y Maestra Ltda. 78.82% 82.14% 82.64% 82.85% 82.74% 82.77% 82.25% 81.99% 81.63% 82.09% 81.97%
CME La Merced Ltda. 87.03% 88.12% 87.72% 88.06% 89.85% 89.66% 89.58% 89.80% 88.90% 89.07% 88.75%
CCB San Carlos Borromeo Ltda. 84.89% 85.25% 84.76% 83.16% 83.21% 82.08% 83.50% 83.63% 83.50% 83.04% 81.82%
CCF CACEF R.L. 70.97% 75.45% 77.37% 75.47% 75.14% 76.02% 75.58%
CPG Progreso R.L. 82.88% 80.81% 80.80% 78.65% 78.14% 78.92%
CLS La Sagrada Familia R.L. 39.14% 41.33% 43.63%
CMD Magisterio Rural de Chuquisaca R.L. 82.27% 82.31% 81.88%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DEL ÍNDICE DE ENDEUDAMIENTO (OBLIGACIONES CON EIFs / PATRIMONIO) DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en porcentaje) Referencia: Menor al 100%
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 84.89% 89.34% 115.61% 117.81% 97.53% 112.47% 105.99% 95.25% 89.18% 82.60% 112.03%
CSM San Martín de Porres Ltda. 71.48% 125.67% 122.70% 109.13% 115.28% 114.77% 117.81% 116.30% 111.00% 116.45% 114.00%
CFA Fátima Ltda. 49.76% 60.22% 23.85% 38.02% 53.39% 53.53% 55.28% 53.62% 52.22% 54.14% 53.38%
CSP San Pedro Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
CLY Loyola Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 22.19%
CSA San Antonio Ltda 0.00% 18.47% 24.78% 13.92% 6.92% 3.56% 17.18% 22.26% 15.40% 16.94% 21.73%
CPX Pío X Ltda. 12.24% 34.42% 76.61% 59.77% 55.72% 37.43% 35.05% 42.29% 41.04% 40.19% 38.78%
CIH Inca Huasi Ltda. 0.00% 0.00% 0.00% 5.92% 5.54% 5.16% 4.79% 4.44% 4.09% 3.77% 3.44%
CQC Quillacollo Ltda. 0.00% 3.51% 9.64% 5.35% 2.76% 2.79% 2.85% 7.63% 9.08% 10.88% 9.24%
CJP San José de Punata Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
CMG Monseñor Félix Gainza Ltda. 0.39% 0.00% 0.00% 0.00% 0.00% 5.28% 5.25% 10.41% 10.17% 10.12% 9.88%
CEC Educadores Gran Chaco Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.21% 6.03% 6.38% 6.71% 5.95%
CCR El Chorolque Ltda. 0.44% 0.15% 0.48% 0.06% 0.06% 0.06% 0.06% 0.06% 0.06% 0.05% 0.05%
CCM Comarapa Ltda. 0.00% 0.00% 0.17% 0.00% 0.00% 0.00% 0.00% 1.93% 38.80% 22.68% 23.05%
CST San Mateo Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
CTR Trinidad Ltda. 0.00% 0.00% 3.56% 3.64% 3.69% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
CJO San Joaquín Ltda. 16.34% 13.51% 14.19% 24.98% 19.50% 19.49% 14.81% 18.98% 18.85% 18.77% 13.95%
CMR Magisterio Rural Ltda. 0.28% 0.26% 0.00% 0.00% 0.00% 18.79% 34.58% 32.90% 31.84% 27.47% 27.36%
CJB San José de Bermejo Ltda. 0.24% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
CCP Catedral Ltda. 2.61% 0.15% 9.63% 4.79% 4.66% 0.14% 0.14% 0.14% 0.13% 4.32% 4.15%
CAS Asunción Ltda. 6.87% 6.30% 5.58% 5.09% 4.77% 4.66% 4.40% 4.87% 4.44% 4.13% 3.99%
CCA Catedral de Tarija Ltda. 1.17% 1.06% 1.06% 1.03% 1.02% 1.02% 1.00% 0.99% 0.97% 1.00% 0.97%
CSR San Roque Ltda. 7.39% 6.60% 11.95% 56.46% 56.36% 49.57% 50.01% 45.05% 45.74% 40.75% 77.96%
CMM Madre y Maestra Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
CME La Merced Ltda. 18.80% 8.41% 21.12% 19.40% 2.42% 2.28% 2.23% 2.04% 2.01% 1.88% 1.83%
CCB San Carlos Borromeo Ltda. 0.00% 0.00% 0.00% 13.91% 12.53% 20.29% 19.46% 17.16% 15.44% 21.89% 31.84%
CCF CACEF R.L. 111.62% 72.48% 57.47% 78.62% 72.72% 74.13% 74.29%
CPG Progreso R.L. 1.08% 19.19% 17.68% 29.39% 39.22% 32.39%
CLS La Sagrada Familia R.L. 267.38% 244.30% 220.29%
CMD Magisterio Rural de Chuquisaca R.L. 0.00% 8.37% 8.15%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DEL ÍNDICE DE MORA (CARTERA VENCIDA + CARTERA EJECUCIÓN / TOTAL CARTERA) DE COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en porcentaje) Referencia: Menor al 5%
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 2.62% 2.36% 1.97% 1.94% 2.98% 2.23% 2.85% 2.14% 2.75% 2.68% 2.94%
CSM San Martín de Porres Ltda. 2.06% 1.64% 2.01% 2.15% 2.75% 2.78% 3.22% 3.22% 3.53% 3.52% 3.82%
CFA Fátima Ltda. 3.17% 2.81% 3.01% 3.35% 5.61% 4.63% 4.66% 4.38% 5.21% 4.26% 6.20%
CSP San Pedro Ltda. 1.56% 2.34% 3.07% 2.34% 3.70% 4.73% 4.77% 3.12% 8.38% 10.89% 9.29%
CLY Loyola Ltda. 2.28% 1.53% 2.81% 3.51% 4.88% 3.42% 3.77% 3.57% 4.94% 5.68% 5.73%
CSA San Antonio Ltda 2.32% 1.63% 2.15% 2.23% 2.50% 2.89% 2.82% 2.19% 2.60% 2.59% 2.79%
CPX Pío X Ltda. 1.79% 2.13% 1.75% 2.75% 3.94% 3.42% 3.37% 2.18% 2.65% 3.07% 3.38%
CIH Inca Huasi Ltda. 0.65% 0.71% 1.05% 0.84% 1.29% 1.42% 1.50% 1.04% 1.25% 1.28% 1.39%
CQC Quillacollo Ltda. 1.27% 1.41% 2.23% 3.07% 3.48% 3.71% 3.67% 3.76% 3.72% 3.75% 3.95%
CJP San José de Punata Ltda. 0.33% 0.15% 0.36% 0.37% 0.76% 0.56% 0.73% 0.56% 0.82% 0.60% 0.83%
CMG Monseñor Félix Gainza Ltda. 0.66% 0.84% 0.74% 0.44% 0.72% 0.64% 1.31% 1.05% 1.22% 1.25% 0.90%
CEC Educadores Gran Chaco Ltda. 0.77% 0.74% 0.77% 1.15% 1.96% 1.87% 1.98% 2.36% 3.76% 4.30% 3.83%
CCR El Chorolque Ltda. 0.89% 0.95% 0.87% 0.79% 1.66% 1.49% 1.71% 1.36% 1.92% 1.74% 1.37%
CCM Comarapa Ltda. 0.33% 0.25% 0.63% 0.52% 1.02% 0.71% 1.64% 0.62% 1.55% 1.44% 0.69%
CST San Mateo Ltda. 0.27% 0.19% 0.13% 0.12% 1.29% 0.85% 0.67% 0.07% 1.29% 0.52% 1.04%
CTR Trinidad Ltda. 2.33% 3.11% 3.30% 2.12% 3.38% 2.53% 2.29% 2.67% 2.69% 2.86% 2.90%
CJO San Joaquín Ltda. 0.88% 0.66% 1.26% 1.20% 1.18% 1.25% 1.25% 1.31% 1.90% 2.20% 1.80%
CMR Magisterio Rural Ltda. 1.21% 1.43% 0.98% 1.23% 1.61% 1.79% 1.58% 1.01% 1.52% 1.22% 1.48%
CJB San José de Bermejo Ltda. 1.01% 1.46% 1.76% 1.96% 2.63% 2.44% 1.95% 1.46% 2.39% 1.98% 1.41%
CCP Catedral Ltda. 0.49% 0.57% 0.41% 0.54% 0.82% 1.13% 1.06% 0.97% 1.06% 0.97% 1.19%
CAS Asunción Ltda. 0.48% 0.46% 0.63% 0.68% 0.97% 1.30% 1.62% 1.22% 1.49% 1.29% 1.48%
CCA Catedral de Tarija Ltda. 3.53% 2.13% 2.21% 2.12% 2.52% 2.52% 2.46% 2.79% 3.35% 2.98% 3.47%
CSR San Roque Ltda. 0.96% 0.86% 1.15% 0.81% 1.66% 0.96% 1.17% 1.02% 1.46% 1.27% 1.33%
CMM Madre y Maestra Ltda. 0.56% 0.36% 0.72% 0.93% 1.08% 1.23% 1.12% 1.13% 1.23% 1.54% 1.30%
CME La Merced Ltda. 2.01% 2.11% 2.51% 2.25% 4.81% 3.28% 3.46% 2.59% 3.78% 3.19% 2.55%
CCB San Carlos Borromeo Ltda. 2.25% 2.99% 3.14% 2.90% 3.07% 2.93% 3.65% 2.73% 3.89% 3.38% 3.40%
CCF CACEF R.L. 0.85% 0.76% 1.04% 0.74% 1.06% 1.08% 0.93%
CPG Progreso R.L. 1.18% 0.99% 0.88% 1.03% 0.98% 1.05%
CLS La Sagrada Familia R.L. 2.39% 1.93% 1.99%
CMD Magisterio Rural de Chuquisaca R.L. 0.20% 0.16% 0.13%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DEL ÍNDICE DE LIQUIDEZ (DISPONIBILIDADES / TOTAL ACTIVO) DE COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en porcentaje) Referencia: Mayor al 6%
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 16.52% 18.97% 20.46% 19.31% 16.70% 21.40% 17.82% 19.94% 17.96% 16.75% 16.77%
CSM San Martín de Porres Ltda. 8.45% 8.29% 10.00% 8.37% 9.01% 8.67% 8.79% 9.56% 10.49% 11.97% 12.36%
CFA Fátima Ltda. 9.70% 8.80% 6.88% 8.29% 9.25% 8.04% 7.74% 7.79% 9.41% 9.63% 10.16%
CSP San Pedro Ltda. 9.43% 16.15% 15.28% 13.33% 14.91% 14.94% 16.49% 17.84% 18.76% 18.80% 17.84%
CLY Loyola Ltda. 11.24% 6.93% 6.42% 13.53% 15.30% 13.78% 12.16% 8.59% 13.78% 9.88% 10.44%
CSA San Antonio Ltda 8.55% 10.67% 9.95% 7.99% 7.03% 6.92% 6.58% 7.40% 7.58% 7.83% 7.62%
CPX Pío X Ltda. 9.03% 9.66% 10.98% 8.77% 9.13% 8.97% 7.92% 7.48% 7.51% 7.71% 7.10%
CIH Inca Huasi Ltda. 12.80% 11.31% 10.40% 10.97% 11.21% 10.43% 9.04% 10.23% 11.09% 11.00% 10.59%
CQC Quillacollo Ltda. 3.12% 3.48% 4.64% 5.38% 4.81% 4.41% 4.65% 4.73% 5.13% 4.53% 4.70%
CJP San José de Punata Ltda. 6.68% 5.03% 5.35% 6.53% 5.74% 6.46% 5.82% 5.43% 6.96% 7.39% 6.47%
CMG Monseñor Félix Gainza Ltda. 7.21% 6.70% 5.18% 7.98% 8.53% 8.38% 7.75% 7.07% 6.96% 7.73% 8.05%
CEC Educadores Gran Chaco Ltda. 9.21% 6.33% 5.43% 10.02% 9.95% 10.03% 9.41% 10.09% 9.86% 9.22% 9.38%
CCR El Chorolque Ltda. 8.68% 7.19% 7.78% 9.09% 10.64% 11.76% 10.52% 10.13% 9.94% 11.79% 13.54%
CCM Comarapa Ltda. 20.81% 16.90% 23.95% 14.85% 12.84% 15.17% 18.82% 21.17% 20.04% 15.50% 15.23%
CST San Mateo Ltda. 13.17% 12.16% 14.39% 11.82% 15.12% 13.66% 11.88% 11.31% 15.59% 11.60% 10.48%
CTR Trinidad Ltda. 6.24% 4.93% 6.55% 4.98% 5.63% 6.88% 5.02% 5.04% 5.10% 5.08% 4.26%
CJO San Joaquín Ltda. 4.33% 3.29% 3.63% 5.16% 5.11% 5.54% 5.34% 5.09% 5.37% 5.41% 5.52%
CMR Magisterio Rural Ltda. 6.86% 9.61% 7.97% 5.87% 5.99% 6.29% 5.80% 4.86% 3.78% 6.28% 6.43%
CJB San José de Bermejo Ltda. 6.17% 4.82% 7.88% 8.66% 7.78% 9.45% 10.96% 10.09% 9.30% 9.90% 11.33%
CCP Catedral Ltda. 6.33% 5.51% 4.51% 7.19% 7.49% 7.63% 7.75% 8.27% 8.47% 8.49% 7.96%
CAS Asunción Ltda. 9.63% 11.97% 9.25% 8.20% 7.41% 9.28% 8.01% 7.62% 8.17% 9.55% 8.81%
CCA Catedral de Tarija Ltda. 13.25% 11.00% 10.70% 10.68% 9.50% 7.74% 8.02% 7.41% 7.38% 6.82% 7.45%
CSR San Roque Ltda. 5.31% 6.33% 5.64% 9.30% 8.51% 9.27% 7.66% 5.32% 7.91% 7.92% 7.88%
CMM Madre y Maestra Ltda. 6.04% 6.46% 5.65% 9.30% 9.63% 8.75% 8.40% 8.21% 9.24% 9.77% 7.80%
CME La Merced Ltda. 7.86% 6.80% 7.10% 6.77% 8.04% 7.08% 6.49% 6.07% 7.11% 6.82% 6.61%
CCB San Carlos Borromeo Ltda. 7.91% 4.74% 4.93% 5.27% 5.16% 6.01% 5.20% 5.13% 4.53% 6.06% 5.22%
CCF CACEF R.L. 12.70% 11.08% 9.80% 9.82% 9.80% 8.64% 7.90%
CPG Progreso R.L. 10.47% 10.44% 9.37% 8.94% 12.04% 10.99%
CLS La Sagrada Familia R.L. 4.77% 3.93% 3.77%
CMD Magisterio Rural de Chuquisaca R.L. 5.84% 8.83% 5.82%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DEL ÍNDICE DE LIQUIDEZ (DISPONIBILIDADES + INV.TEMP./ DEPOSITOS DEL PUBLICO) DE COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en porcentaje) Referencia: Mayor al 20%
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 34.65% 40.21% 46.17% 45.94% 42.11% 48.84% 44.17% 46.01% 43.08% 36.59% 37.84%
CSM San Martín de Porres Ltda. 24.76% 25.16% 29.50% 27.81% 27.58% 27.75% 28.25% 28.97% 29.40% 27.83% 27.69%
CFA Fátima Ltda. 35.45% 36.62% 32.79% 38.37% 41.82% 41.88% 40.94% 40.50% 43.30% 38.24% 39.52%
CSP San Pedro Ltda. 30.15% 41.35% 44.30% 48.52% 51.00% 52.23% 54.51% 57.48% 58.67% 51.97% 50.91%
CLY Loyola Ltda. 35.57% 33.31% 29.45% 38.42% 39.98% 38.47% 36.17% 32.49% 37.70% 31.12% 34.12%
CSA San Antonio Ltda 30.52% 32.36% 31.13% 28.87% 26.99% 26.74% 25.59% 26.30% 26.91% 23.87% 23.14%
CPX Pío X Ltda. 25.76% 25.61% 29.10% 28.67% 29.80% 28.00% 26.01% 24.80% 23.81% 22.52% 22.21%
CIH Inca Huasi Ltda. 31.65% 32.34% 30.31% 32.68% 32.57% 31.73% 30.24% 30.56% 31.40% 31.50% 31.34%
CQC Quillacollo Ltda. 24.38% 27.03% 25.08% 27.84% 30.64% 25.06% 23.12% 21.63% 25.90% 24.51% 27.01%
CJP San José de Punata Ltda. 25.74% 25.36% 20.30% 22.21% 23.99% 27.75% 24.65% 22.19% 25.23% 21.56% 20.25%
CMG Monseñor Félix Gainza Ltda. 28.65% 31.33% 32.08% 28.39% 24.85% 30.55% 30.90% 30.43% 28.29% 28.69% 32.48%
CEC Educadores Gran Chaco Ltda. 24.18% 27.95% 16.33% 25.30% 28.26% 28.74% 26.67% 27.43% 26.05% 22.27% 20.61%
CCR El Chorolque Ltda. 21.46% 17.18% 18.99% 20.42% 23.17% 23.40% 22.71% 22.65% 22.76% 23.60% 26.18%
CCM Comarapa Ltda. 34.45% 30.29% 37.76% 25.76% 23.32% 27.21% 31.65% 33.25% 32.27% 25.53% 24.88%
CST San Mateo Ltda. 29.43% 28.87% 29.72% 28.91% 33.09% 32.58% 29.75% 28.98% 32.45% 26.48% 23.03%
CTR Trinidad Ltda. 15.56% 13.23% 16.91% 16.76% 13.92% 13.59% 11.47% 11.45% 10.65% 10.23% 9.26%
CJO San Joaquín Ltda. 24.17% 26.06% 26.02% 29.57% 30.66% 32.45% 29.67% 27.97% 32.70% 31.06% 30.15%
CMR Magisterio Rural Ltda. 20.21% 21.97% 22.51% 19.90% 19.89% 23.05% 21.52% 17.52% 14.67% 16.71% 17.38%
CJB San José de Bermejo Ltda. 32.87% 29.38% 32.30% 26.67% 24.92% 27.30% 31.09% 30.89% 28.35% 26.28% 27.05%
CCP Catedral Ltda. 27.09% 28.47% 24.60% 26.31% 28.53% 28.41% 26.15% 27.38% 25.18% 25.74% 25.30%
CAS Asunción Ltda. 27.35% 31.99% 31.23% 30.63% 30.03% 34.63% 33.36% 31.77% 30.89% 30.32% 30.73%
CCA Catedral de Tarija Ltda. 37.84% 38.65% 36.99% 38.43% 38.32% 36.43% 35.45% 34.87% 36.38% 34.03% 35.04%
CSR San Roque Ltda. 28.88% 26.38% 24.70% 31.57% 30.82% 35.22% 34.88% 29.53% 32.52% 30.22% 34.07%
CMM Madre y Maestra Ltda. 29.95% 29.04% 30.71% 30.72% 32.32% 32.54% 31.92% 29.00% 31.46% 30.09% 30.69%
CME La Merced Ltda. 20.94% 20.77% 23.82% 26.18% 26.60% 25.43% 24.32% 23.18% 24.20% 20.36% 19.59%
CCB San Carlos Borromeo Ltda. 24.48% 23.20% 25.39% 16.59% 19.98% 20.12% 21.75% 19.47% 19.12% 20.42% 22.70%
CCF CACEF R.L. 34.24% 30.20% 29.85% 30.08% 30.26% 26.80% 26.00%
CPG Progreso R.L. 20.89% 20.36% 18.55% 17.90% 20.81% 20.94%
CLS La Sagrada Familia R.L. 19.03% 15.59% 14.74%
CMD Magisterio Rural de Chuquisaca R.L. 25.90% 27.83% 24.76%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
CUADRO EVOLUTIVO DEL ÍNDICE DE SOLVENCIA (PATRIMONIO / TOTAL ACTIVO) DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en porcentaje) Referencia: Mayor al 10% (prudencial)
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 11.35% 10.08% 9.73% 9.46% 10.10% 9.59% 9.92% 9.77% 10.22% 10.28% 10.25%
CSM San Martín de Porres Ltda. 8.83% 8.68% 8.65% 8.87% 8.99% 9.15% 9.30% 9.13% 9.21% 9.13% 9.11%
CFA Fátima Ltda. 11.69% 11.48% 11.85% 12.14% 11.83% 11.97% 11.75% 12.16% 12.00% 12.03% 12.33%
CSP San Pedro Ltda. 19.85% 21.95% 22.12% 20.99% 21.18% 20.71% 20.52% 21.85% 21.27% 19.40% 18.58%
CLY Loyola Ltda. 25.97% 26.37% 24.98% 22.32% 21.35% 21.50% 20.99% 20.95% 19.78% 19.31% 18.90%
CSA San Antonio Ltda 23.74% 21.39% 20.79% 21.01% 21.54% 21.12% 20.80% 20.91% 20.71% 20.20% 20.09%
CPX Pío X Ltda. 18.57% 17.78% 15.86% 16.03% 15.87% 16.53% 17.14% 16.16% 16.55% 16.60% 16.70%
CIH Inca Huasi Ltda. 21.33% 20.71% 21.04% 20.86% 20.77% 20.73% 20.85% 20.85% 20.84% 20.49% 20.33%
CQC Quillacollo Ltda. 16.67% 16.85% 17.61% 18.35% 18.32% 18.56% 17.93% 18.06% 17.58% 17.24% 17.45%
CJP San José de Punata Ltda. 23.46% 21.39% 20.73% 19.79% 19.55% 20.06% 20.66% 20.04% 20.37% 19.64% 19.80%
CMG Monseñor Félix Gainza Ltda. 30.11% 30.49% 30.22% 29.39% 30.00% 29.46% 29.05% 28.36% 29.24% 29.42% 29.78%
CEC Educadores Gran Chaco Ltda. 18.31% 17.66% 17.68% 17.94% 17.58% 17.94% 17.87% 19.52% 19.12% 18.73% 18.88%
CCR El Chorolque Ltda. 15.77% 16.52% 17.00% 17.13% 17.40% 17.17% 17.37% 15.86% 16.15% 16.18% 15.95%
CCM Comarapa Ltda. 11.79% 12.70% 12.05% 11.94% 12.72% 12.70% 11.94% 11.27% 10.92% 11.38% 10.72%
CST San Mateo Ltda. 13.63% 13.98% 13.83% 14.45% 13.71% 13.89% 13.60% 13.81% 13.28% 13.68% 14.14%
CTR Trinidad Ltda. 17.13% 16.42% 17.20% 16.38% 16.59% 16.58% 16.02% 16.92% 17.38% 16.65% 16.88%
CJO San Joaquín Ltda. 13.40% 12.81% 11.52% 10.37% 10.41% 10.06% 10.41% 10.37% 10.29% 10.13% 10.18%
CMR Magisterio Rural Ltda. 13.73% 14.02% 13.70% 13.73% 13.82% 13.00% 12.88% 13.21% 13.98% 13.90% 13.79%
CJB San José de Bermejo Ltda. 19.88% 19.38% 18.82% 18.79% 19.81% 19.97% 19.43% 18.42% 19.04% 19.87% 19.72%
CCP Catedral Ltda. 11.96% 10.95% 11.78% 11.68% 12.01% 11.94% 12.11% 11.81% 11.84% 11.52% 11.61%
CAS Asunción Ltda. 9.63% 9.37% 9.33% 9.57% 10.15% 10.00% 10.33% 9.25% 10.34% 10.68% 10.59%
CCA Catedral de Tarija Ltda. 15.30% 16.07% 15.46% 14.99% 14.86% 14.71% 15.12% 15.22% 15.59% 15.14% 15.30%
CSR San Roque Ltda. 13.38% 12.91% 12.18% 10.88% 11.10% 10.83% 10.82% 10.78% 10.43% 10.17% 9.70%
CMM Madre y Maestra Ltda. 12.99% 11.13% 10.89% 11.15% 11.12% 11.37% 11.61% 11.54% 11.71% 11.30% 11.26%
CME La Merced Ltda. 8.75% 8.67% 8.40% 8.26% 7.77% 7.83% 7.88% 8.17% 8.24% 8.47% 8.68%
CCB San Carlos Borromeo Ltda. 11.01% 11.18% 11.42% 11.71% 11.97% 11.96% 10.85% 10.98% 11.23% 10.97% 11.09%
CCF CACEF R.L. 12.07% 12.09% 12.08% 10.95% 11.79% 11.21% 11.32%
CPG Progreso R.L. 14.00% 13.48% 13.69% 13.94% 13.56% 13.59%
CLS La Sagrada Familia R.L. 15.39% 15.83% 16.16%
CMD Magisterio Rural de Chuquisaca R.L. 12.42% 11.79% 12.02%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
EVOLUTIVO DEL ÍNDICE (RESULTADO NETO DE LA GESTIÓN / TOTAL ACTIVO) DE LAS CACs
(Expresado en porcentaje) Referencia: Mayor al 0.5% anual
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 dic-16 sep-17
CJN Jesús Nazareno Ltda. 0.55% 0.13% 0.16% 0.19% 0.21% 0.07%
CSM San Martín de Porres Ltda. 0.58% 0.52% 0.48% 0.30% 0.37% 0.28%
CFA Fátima Ltda. -0.54% 0.79% 0.30% 1.23% 0.55% 0.39%
CSP San Pedro Ltda. 0.74% 1.01% -1.00% -0.54% 0.92% -4.90%
CLY Loyola Ltda. 1.88% 2.67% 1.73% 1.33% 0.84% 0.55%
CSA San Antonio Ltda 1.44% 1.33% 0.95% 0.93% 1.18% 0.60%
CPX Pío X Ltda. 1.61% 1.67% 1.03% 0.75% 0.90% 1.02%
CIH Inca Huasi Ltda. 2.18% 1.52% 1.33% 1.10% 1.16% 0.74%
CQC Quillacollo Ltda. 1.85% 1.03% 0.73% 1.24% 0.84% 0.49%
CJP San José de Punata Ltda. 3.12% 2.53% 1.93% 1.36% 1.25% 1.43%
CMG Monseñor Félix Gainza Ltda. 3.33% 2.11% 1.29% 0.59% 1.32% 2.80%
CEC Educadores Gran Chaco Ltda. 0.11% 0.67% 0.26% 0.26% 0.05% -1.44%
CCR El Chorolque Ltda. 2.62% 1.55% 1.55% 1.63% 0.49% 1.38%
CCM Comarapa Ltda. 1.25% 1.33% 0.34% -0.36% 0.13% -0.10%
CST San Mateo Ltda. 1.90% 0.37% 0.57% 0.46% 0.31% 0.18%
CTR Trinidad Ltda. 0.53% -0.24% 0.94% 0.04% 0.02% 0.04%
CJO San Joaquín Ltda. 1.07% 1.12% 0.36% -0.10% 0.33% 0.27%
CMR Magisterio Rural Ltda. 1.94% 1.13% 1.40% 1.05% 1.26% 1.17%
CJB San José de Bermejo Ltda. 1.14% 0.54% 0.10% 0.08% 0.38% 1.42%
CCP Catedral Ltda. 1.68% 0.14% 0.58% 0.11% 0.51% 0.65%
CAS Asunción Ltda. 1.25% 0.88% 1.06% 1.04% 0.51% 1.78%
CCA Catedral de Tarija Ltda. 1.18% 1.60% 0.15% 0.37% 0.57% 0.33%
CSR San Roque Ltda. 1.35% 1.00% 0.52% 0.62% 0.67% 0.15%
CMM Madre y Maestra Ltda. 1.54% 0.07% 0.68% 0.65% 0.55% 0.53%
CME La Merced Ltda. -0.64% 0.38% 0.10% 0.04% -0.38% 0.22%
CCB San Carlos Borromeo Ltda. 1.33% 0.57% 0.55% 0.42% 0.68% 0.88%
CCF CACEF R.L. 0.66% 1.29%
CPG Progreso R.L. 0.69% 0.40%
CLS La Sagrada Familia R.L. 0.20%
CMD Magisterio Rural de Chuquisaca R.L. 0.76%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
EVOLUTIVO DEL ÍNDICE (RESULTADO NETO DE LA GESTIÓN / PATRIMONIO) DE LAS CACs
(Expresado en porcentaje) Referencia: Mayor al 5 % anual
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 dic-16 sep-17
CJN Jesús Nazareno Ltda. 4.82% 1.27% 1.62% 1.99% 2.12% 0.65%
CSM San Martín de Porres Ltda. 6.54% 6.02% 5.56% 3.37% 4.08% 3.06%
CFA Fátima Ltda. -4.61% 6.88% 2.56% 10.16% 4.49% 3.13%
CSP San Pedro Ltda. 3.74% 4.62% -4.51% -2.59% 4.21% -26.39%
CLY Loyola Ltda. 7.23% 10.11% 6.91% 5.96% 4.01% 2.88%
CSA San Antonio Ltda 6.08% 6.22% 4.58% 4.45% 5.62% 3.01%
CPX Pío X Ltda. 8.67% 9.37% 6.50% 4.66% 5.58% 6.12%
CIH Inca Huasi Ltda. 10.24% 7.34% 6.30% 5.30% 5.55% 3.64%
CQC Quillacollo Ltda. 11.07% 6.11% 4.13% 6.75% 4.66% 2.83%
CJP San José de Punata Ltda. 13.28% 11.81% 9.31% 6.85% 6.26% 7.21%
CMG Monseñor Félix Gainza Ltda. 11.06% 6.93% 4.27% 2.00% 4.67% 9.41%
CEC Educadores Gran Chaco Ltda. 0.61% 3.79% 1.49% 1.48% 0.23% -7.60%
CCR El Chorolque Ltda. 16.59% 9.38% 9.14% 9.51% 3.11% 8.68%
CCM Comarapa Ltda. 10.58% 10.48% 2.80% -3.01% 1.15% -0.93%
CST San Mateo Ltda. 13.95% 2.65% 4.15% 3.19% 2.27% 1.24%
CTR Trinidad Ltda. 3.08% -1.46% 5.46% 0.23% 0.12% 0.23%
CJO San Joaquín Ltda. 7.97% 8.77% 3.16% -0.94% 3.22% 2.67%
CMR Magisterio Rural Ltda. 14.12% 8.06% 10.25% 7.63% 9.56% 8.52%
CJB San José de Bermejo Ltda. 5.76% 2.81% 0.52% 0.41% 2.08% 7.21%
CCP Catedral Ltda. 14.00% 1.25% 4.92% 0.97% 4.30% 5.61%
CAS Asunción Ltda. 12.99% 9.44% 11.33% 10.90% 5.51% 16.80%
CCA Catedral de Tarija Ltda. 7.72% 9.94% 1.00% 2.48% 3.74% 2.19%
CSR San Roque Ltda. 10.10% 7.77% 4.26% 5.68% 6.20% 1.53%
CMM Madre y Maestra Ltda. 11.87% 0.64% 6.21% 5.85% 4.73% 4.69%
CME La Merced Ltda. -7.28% 4.32% 1.19% 0.52% -4.68% 2.57%
CCB San Carlos Borromeo Ltda. 12.13% 5.10% 4.79% 3.60% 6.23% 7.96%
CCF CACEF R.L. 5.99% 11.43%
CPG Progreso R.L. 5.05% 2.98%
CLS La Sagrada Familia R.L. 1.24%
CMD Magisterio Rural de Chuquisaca R.L. 6.36%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
EVOLUTIVO DEL ÍNDICE DE EFICIENCIA (GASTOS DE ADMINISTRACIÓN / RESULTADO FINANCIERO BRUTO) DE COOPERATIVAS DE AHORRO Y CRÉDITO
(Expresado en porcentaje) Referencia: Menor al 80%
SIGLA Cooperativa de Ahorro y Crédito Abierta dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17 jun-17 sep-17
CJN Jesús Nazareno Ltda. 82.80% 95.45% 98.42% 93.33% 96.90% 94.16% 90.71% 89.87% 92.83% 94.05% 92.01%
CSM San Martín de Porres Ltda. 91.75% 94.37% 90.17% 94.41% 89.92% 91.36% 90.63% 88.84% 90.54% 91.33% 89.26%
CFA Fátima Ltda. 91.91% 99.73% 91.66% 84.81% 86.26% 88.50% 87.51% 82.01% 87.39% 84.16% 84.03%
CSP San Pedro Ltda. 73.03% 96.01% 102.54% 105.46% 92.50% 104.89% 103.97% 110.31% 122.73% 126.89% 124.65%
CLY Loyola Ltda. 64.02% 73.11% 74.11% 79.06% 80.24% 86.86% 85.80% 88.50% 77.53% 85.91% 85.51%
CSA San Antonio Ltda 74.96% 90.68% 92.45% 92.68% 83.64% 93.63% 90.18% 83.30% 82.00% 85.56% 85.68%
CPX Pío X Ltda. 80.54% 79.78% 83.66% 87.86% 82.31% 86.15% 84.75% 86.24% 78.82% 83.92% 82.45%
CIH Inca Huasi Ltda. 70.19% 78.96% 81.25% 80.79% 81.89% 81.15% 80.16% 80.45% 79.94% 83.03% 82.77%
CQC Quillacollo Ltda. 77.76% 76.29% 81.43% 84.11% 86.25% 87.18% 87.41% 84.74% 87.49% 91.43% 90.11%
CJP San José de Punata Ltda. 59.78% 64.16% 74.96% 80.74% 64.90% 74.61% 74.83% 81.18% 69.86% 80.42% 79.93%
CMG Monseñor Félix Gainza Ltda. 71.05% 81.89% 89.68% 92.38% 77.99% 78.68% 77.47% 85.42% 65.95% 68.84% 68.26%
CEC Educadores Gran Chaco Ltda. 105.98% 100.21% 100.94% 94.36% 100.29% 108.62% 105.85% 102.48% 119.07% 121.37% 111.41%
CCR El Chorolque Ltda. 62.70% 71.79% 72.37% 67.06% 60.19% 65.43% 65.23% 65.93% 61.50% 66.07% 68.68%
CCM Comarapa Ltda. 75.71% 83.44% 92.63% 105.48% 86.88% 89.59% 92.22% 94.15% 103.12% 97.28% 92.21%
CST San Mateo Ltda. 84.14% 85.64% 95.14% 96.24% 102.43% 106.07% 103.17% 100.84% 95.46% 96.27% 97.12%
CTR Trinidad Ltda. 95.10% 104.98% 97.34% 107.05% 105.85% 108.76% 106.36% 101.23% 100.33% 101.14% 99.08%
CJO San Joaquín Ltda. 79.25% 86.63% 93.49% 96.38% 89.66% 95.62% 95.78% 93.02% 94.63% 96.57% 96.20%
CMR Magisterio Rural Ltda. 66.86% 74.04% 76.92% 76.66% 73.44% 79.11% 77.30% 73.10% 69.08% 73.00% 74.39%
CJB San José de Bermejo Ltda. 85.37% 92.67% 98.27% 99.37% 78.45% 88.95% 89.39% 93.71% 87.60% 94.50% 91.46%
CCP Catedral Ltda. 68.71% 75.24% 88.60% 90.42% 78.57% 81.27% 81.22% 81.85% 80.91% 77.22% 74.83%
CAS Asunción Ltda. 66.57% 73.94% 79.94% 81.04% 53.46% 61.10% 62.65% 79.58% 49.47% 56.44% 57.85%
CCA Catedral de Tarija Ltda. 72.49% 83.39% 89.15% 95.06% 89.21% 91.90% 90.28% 87.08% 80.60% 83.36% 80.82%
CSR San Roque Ltda. 78.44% 85.33% 83.18% 86.10% 81.74% 84.17% 83.76% 84.80% 91.72% 90.42% 88.21%
CMM Madre y Maestra Ltda. 70.37% 79.63% 75.56% 82.06% 80.26% 83.61% 83.69% 81.06% 81.42% 86.44% 87.08%
CME La Merced Ltda. 106.58% 106.45% 105.84% 105.01% 115.31% 112.32% 109.83% 104.88% 100.96% 103.97% 102.28%
CCB San Carlos Borromeo Ltda. 72.84% 88.73% 89.58% 86.84% 71.28% 79.58% 76.96% 76.07% 62.36% 76.35% 74.61%
CCF CACEF R.L. 59.94% 68.10% 67.66% 75.25% 61.47% 70.21% 73.33%
CPG Progreso R.L. 91.56% 92.69% 91.67% 92.41% 94.17% 94.97%
CLS La Sagrada Familia R.L. 92.58% 91.57% 91.56%
CMD Magisterio Rural de Chuquisaca R.L. 81.77% 80.14% 80.97%
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI
Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI