Formulación de estrategias para su colocación en la COAC Riobamba Ltda, oficina matriz, cantón Riobamba, provincia de Chimborazo período 2018-2019

Abstract

The purpose of the pressent titiling is to carry out the “Formulation of strategies to be placed in the COAC Riobamba Ltda.,Riobamba canton, province of Chimborazo in the period 2018-2019”,wich will allow the cooperative to improve the credit placement.In order to carry out the present work,various research techniques were used,such as a survey addresed to the fellows and an interview with the General Manager and the National Head of Credit.In addition, it was carried out an analysis of the financial statements to determine the decrease in the placement of credits, as well as an analysis of the current process performed by the cooperative at the time of grating a loan.On the other hand, the analysis of the portfolio of the different lines of credit was prepared for each type of credit,the results reflected a decrease in the placement of one period in relation to the other.As a result,the SWOT matrix was developed,wich served as the basis for the preparation of the strategic matrix. The credit portfolio in 2016 represented 54.99% and for the year 2017 49.40%, there being a decrease of 3.77% in one year in relation to the other.Therefore, it is recommendes for the National Head of credit to analyse and execute the new credit strategies that have been proposed in the present titling work, in order to achieve what is proposed that is to improve the credit positioning.