Análisis de créditos y cobranzas de cooperativa ahorro y crédito armada nacional y mejora de su liquidez, Periodo 2019 – 2023
Fecha
2018
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Editor
Universidad de Guayaquil Facutad de Ciencias Administrativas
Resumen
El proyecto corresponde al Análisis de Créditos y Cobranzas de Cooperativa Ahorro y Crédito Armada Nacional y mejora de su liquidez, periodo 2019-2023. Se desarrolló una valoración de las falencias, entre ellas: otorgar créditos donde la capacidad de pago del deudor es similar a las cuotas a pagar en la línea de crédito, cartera vencida, improductiva en incremento, incumplimiento con los requisitos de crédito, calificación del sujeto de crédito por parte de la Cooperativa, sistema informático (CORE) por modernizar. Se establecieron objetivos como disminuir el riesgo crediticio de la cooperativa a través de la creación de políticas y procedimientos. El presente trabajo de investigación consta de tres capítulos, el primer capítulo, marco teórico, el cual sustenta las bases para el planteamiento de la propuesta permitiendo obtener definiciones que establezcan lineamientos para el entendimiento del problema. En el segundo capítulo se fundamenta las técnicas e instrumentos de investigación, acordes a la información obtenida para orientar el trabajo de manera coordinada y coherente a la interpretación de los resultados. En
el tercer capítulo se da solución al problema, mediante el diseño de un sistema de cobro y recuperación de la cartera de crédito, que permita mejorar la situación financiera de la cooperativa.
The project corresponds to the Analysis of Credits and Collections of Cooperative I save and Credit National Navy and improvement of his liquidity, period 2019-2023. A valuation of the failings developed, between them: to grant credits where the capacity of payment of the debtor is similar to the quotas to pay in the line of credit, defeated, unproductive portfolio in increase, breach with the requirements of credit, qualification of the credit subject on the part of the Cooperative, IT system (CORE) for modernizing. Aims were established as the credit risk of the cooperative diminished across the creation of policies and procedures. The present work of investigation consists of three chapters, the first chapter, theoretical frame, which sustains the bases for the exposition of the offer allowing obtaining definitions that establish limits for the understanding of the problem. On the second chapter there are based the technologies and instruments of investigation, identical to the information obtained to orientate the work of a coordinated and coherent way to the interpretation of the results. In the third chapter one gives solution to the problem, by means of the design of a collection system and recovery of the credit portfolio, this allows to improve the financial situation of the cooperative.
The project corresponds to the Analysis of Credits and Collections of Cooperative I save and Credit National Navy and improvement of his liquidity, period 2019-2023. A valuation of the failings developed, between them: to grant credits where the capacity of payment of the debtor is similar to the quotas to pay in the line of credit, defeated, unproductive portfolio in increase, breach with the requirements of credit, qualification of the credit subject on the part of the Cooperative, IT system (CORE) for modernizing. Aims were established as the credit risk of the cooperative diminished across the creation of policies and procedures. The present work of investigation consists of three chapters, the first chapter, theoretical frame, which sustains the bases for the exposition of the offer allowing obtaining definitions that establish limits for the understanding of the problem. On the second chapter there are based the technologies and instruments of investigation, identical to the information obtained to orientate the work of a coordinated and coherent way to the interpretation of the results. In the third chapter one gives solution to the problem, by means of the design of a collection system and recovery of the credit portfolio, this allows to improve the financial situation of the cooperative.
Descripción
Palabras clave
CRÉDITO, COBRANZA, AHORRO, CARTERA VENCIDA