Diseño de gestión en los procesos del área de crédito y cobranzas en cooperativa Cuna de la Nacionalidad Ltda
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2018
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
El trabajo de investigación realizado se plantea como objetivo general desarrollar un Manual de Políticas y Procedimientos que mejore la administración del área de crédito y cobranzas en la Cooperativa de Ahorro y Crédito Cuna de la Nacionalidad, con la finalidad de establecer un orden en las actividades diarias. Para lograr los objetivos planteados se utilizan herramientas de investigación como encuestas, entrevistas y documentación histórica. Se plantea una reestructuración en el área de crédito y cobranzas que acondicione el ambiente laboral que se encuentra reducido para las funciones encargadas del personal del área, la implementación de un sistema informático con mayor capacidad de almacenamiento de tal manera que disminuya errores que dificultan la recuperación crediticia. Para alcanzar estos cambios en el área se estructura un presupuesto general y se determina una fuente de financiamiento externa adecuada para cubrir los costos y gastos que intervienen en la implementación. La investigación, los análisis y ratios financieros determinados en este proyecto permitieron concluir que es necesario mantener una adecuada administración del área de crédito y cobranzas en este sector financiero de la economía popular y solidaria ya que es el eje principal de la actividad para mantener la solvencia y crecimiento de toda la organización.
This Research paper has as it´s general objective to develop a Policies and Procedures Manual that will improve Credits and collections Divisions Management, in the Credit and Savings Association "Cuna De La Nacionalidad” Ltda. in order to establish order in daily activities. Research tools such as surveys, interviews, and historical documentation are used to achieve the objectives set. There is a proposal for restructuring the area of credits and collections according to the working environment which is too small compared to the functions assigned its staff. The implementation of computer software with greater capacity for storage in order to diminish errors that hinder credit recovery. To achieve these changes in the area a general budget is structured and an appropriate external source of funding to cover the costs and expenses involved in the implementation is proposed. Research, analysis and financial ratios determined in this project concluded that it is necessary to maintain a proper management of the credit and collections area in this financial sector of the Popular and Solidary Economy since it is the core business to maintain solvency and growth of the entire organization.
This Research paper has as it´s general objective to develop a Policies and Procedures Manual that will improve Credits and collections Divisions Management, in the Credit and Savings Association "Cuna De La Nacionalidad” Ltda. in order to establish order in daily activities. Research tools such as surveys, interviews, and historical documentation are used to achieve the objectives set. There is a proposal for restructuring the area of credits and collections according to the working environment which is too small compared to the functions assigned its staff. The implementation of computer software with greater capacity for storage in order to diminish errors that hinder credit recovery. To achieve these changes in the area a general budget is structured and an appropriate external source of funding to cover the costs and expenses involved in the implementation is proposed. Research, analysis and financial ratios determined in this project concluded that it is necessary to maintain a proper management of the credit and collections area in this financial sector of the Popular and Solidary Economy since it is the core business to maintain solvency and growth of the entire organization.
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FINANCIAMIENTO, ADMINISTRACIÓN, MANUAL, CRÉDITO