Análisis para identificar las variables que inciden en el índice de cartera vencida de la cooperativa de ahorro y crédito “Lucha campesina LTDA” Agencia La Troncal”
No hay miniatura disponible
Fecha
2017
Título de la revista
ISSN de la revista
Título del volumen
Editor
Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
El presente trabajo de investigación constituye en realizar un análisis para identificar las variables que inciden en el índice de cartera vencida en la Cooperativa de Ahorro y Crédito Lucha Campesina Ltda. ubicada en el Cantón La Troncal, utilizando técnicas administrativas, cualitativas y cuantitativas para analizar y recolectar información de vital importancia con el objetivo de evaluar y mejorar los índices de morosidad que presenta la cooperativa.
Las medidas de seguimiento al otorgar los créditos no han sido las idóneas lo que ha provocado que los índices de morosidad no estén en parámetros normales y la recuperación de cartera se encuentre en riesgo.
Posterior a los resultados que arrojó el análisis de las variables se procedió a diseñar un plan estratégico para el área de crédito de la cooperativa, que permitirá mejorar los índices de cartera vencida de la institución
The present research work consists in performing an analysis to identify the variables that affect the past due loan portfolio in the Lucha Campesina Savings and Credit Cooperative, located in Canton La Troncal, using administrative, qualitative and quantitative techniques to analyze and To collect vital information in order to evaluate and improve the delinquency rates presented by the cooperative. The follow-up measures in granting the loans have not been the right ones, which has caused the delinquency rates are not in normal parameters and the recovery of the portfolio is at risk. After the results of the analysis of the variables, a strategic plan was developed for the credit area of the cooperative, which will allow the improvement of the institution's past-due loan indexes
The present research work consists in performing an analysis to identify the variables that affect the past due loan portfolio in the Lucha Campesina Savings and Credit Cooperative, located in Canton La Troncal, using administrative, qualitative and quantitative techniques to analyze and To collect vital information in order to evaluate and improve the delinquency rates presented by the cooperative. The follow-up measures in granting the loans have not been the right ones, which has caused the delinquency rates are not in normal parameters and the recovery of the portfolio is at risk. After the results of the analysis of the variables, a strategic plan was developed for the credit area of the cooperative, which will allow the improvement of the institution's past-due loan indexes
Descripción
Palabras clave
CARTERA VENCIDA, MERCADO MONETARIO, BANCA, COOPERATIVA DE AHORRO Y CRÉDITO, VARIABLES