<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0123-5923</journal-id>
<journal-title><![CDATA[Estudios Gerenciales]]></journal-title>
<abbrev-journal-title><![CDATA[estud.gerenc.]]></abbrev-journal-title>
<issn>0123-5923</issn>
<publisher>
<publisher-name><![CDATA[Universidad Icesi]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0123-59232021000300413</article-id>
<article-id pub-id-type="doi">10.18046/j.estger.2021.160.4022</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Aproximación predictiva al riesgo crediticio comercial en empresas alimenticias ecuatorianas]]></article-title>
<article-title xml:lang="en"><![CDATA[Predictive Approach to Commercial Credit Risk in Ecuadorian Food Companies]]></article-title>
<article-title xml:lang="pt"><![CDATA[Abordagem preditiva para risco de crédito comercial em empresas alimentícias equatorianas]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Flores-Sánchez]]></surname>
<given-names><![CDATA[Gustavo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Campoverde-Campoverde]]></surname>
<given-names><![CDATA[Jorge]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Romero-Galarza]]></surname>
<given-names><![CDATA[Armando]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Coronel-Pangol]]></surname>
<given-names><![CDATA[Katherine]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Cuenca Facultad de Ciencias Económicas y Administrativas ]]></institution>
<addr-line><![CDATA[Cuenca ]]></addr-line>
<country>Ecuador</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad de Cuenca Facultad de Ciencias Económicas y Administrativas ]]></institution>
<addr-line><![CDATA[Cuenca ]]></addr-line>
<country>Ecuador</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad de Cuenca Facultad de Ciencias Económicas y Administrativas ]]></institution>
<addr-line><![CDATA[Cuenca ]]></addr-line>
<country>Ecuador</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad de Cuenca Facultad de Ciencias Económicas y Administrativas ]]></institution>
<addr-line><![CDATA[Cuenca ]]></addr-line>
<country>Ecuador</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>09</month>
<year>2021</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>09</month>
<year>2021</year>
</pub-date>
<volume>37</volume>
<numero>160</numero>
<fpage>413</fpage>
<lpage>424</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0123-59232021000300413&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0123-59232021000300413&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0123-59232021000300413&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Este artículo tuvo como objetivo analizar la probabilidad de riesgo crediticio comercial de 650 empresas ecuatorianas del sector alimenticio, mediante un análisis estadístico de tipo inferencial e implementación de un modelo de regresión logística. En efecto, se convergió en tres hipótesis que indican que la liquidez, el tamaño y la ubicación de la empresa influyen en la probabilidad de riesgo crediticio. Los resultados del modelo evidenciaron significativamente que las empresas ubicadas en la Sierra, grandes y con alta liquidez son las que mayor probabilidad de riesgo presentan; estas derivaciones proporcionan una aproximación predictiva del riesgo crediticio de las empresas alimenticias y una contribución a la discusión en espacios empresariales, académicos y científicos. Clasificación JEL: L66; G33; C53.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This article aimed to analyze the probability of commercial credit risk of 650 Ecuadorian companies in the food sector, through inferential statistical analysis and implementation of a logistic regression model. In effect, three hypotheses were converged, indicating that liquidity, size, and location of the company influence the probability of credit risk. The results of the model significantly showed that companies located in the Sierra, large in size, and with high liquidity are those with the highest probability of risk. These derivations provide a predictive approximation of the credit risk of food companies, and a contribution to the discussion in business, academic, and scientific spaces.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo Este artigo teve como objetivo analisar a probabilidade de risco de crédito comercial de 650 empresas equatorianas do setor de alimentos, por meio de uma análise estatística inferencial e implementação de um modelo de regressão logística. De fato, convergiram três hipóteses que indicam que a liquidez, a dimensão e a localização da empresa influenciam a probabilidade de risco de crédito. Os resultados do modelo mostraram de forma significativa que as empresas localizadas na Serra, grandes e com elevada liquidez, são as que apresentam maior probabilidade de risco; essas derivações fornecem uma aproximação preditiva do risco de crédito das empresas de alimentos e uma contribuição para a discussão nos espaços empresarial, acadêmico e científico.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[riesgo crediticio]]></kwd>
<kwd lng="es"><![CDATA[sector alimenticio]]></kwd>
<kwd lng="es"><![CDATA[logit]]></kwd>
<kwd lng="es"><![CDATA[cartera de crédito]]></kwd>
<kwd lng="en"><![CDATA[credit risk]]></kwd>
<kwd lng="en"><![CDATA[food sector]]></kwd>
<kwd lng="en"><![CDATA[logit]]></kwd>
<kwd lng="en"><![CDATA[credit portfolio]]></kwd>
<kwd lng="pt"><![CDATA[risco de crédito]]></kwd>
<kwd lng="pt"><![CDATA[setor de alimentos]]></kwd>
<kwd lng="pt"><![CDATA[logit]]></kwd>
<kwd lng="pt"><![CDATA[carteira de crédito]]></kwd>
</kwd-group>
</article-meta>
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