Rendimiento de la cartera como componente satisfactor de la improductividad: evidencia estadística en Mutualistas

This study examines portfolio performance management as a strategy to mitigate unproductivity in mutual institutions. Using Spearman correlation models and decision trees, significant relationships between different types of loans and their impact on non-performing assets are identified. Findings reveal a strong correlation between refinanced and restructured loans, indicating their joint use in risk management. Additionally, microcredit and real estate loan portfolios emerge as key determinants of institutional financial health. Simplified decision tree models, while sacrificing some precision, aid in identifying critical factors. These results highlight the importance of integrated strategies and diversification in portfolio management to enhance financial stability and reduce risks.