Análisis de operatividad de servicios financieros para la Cooperativa de Ahorro y Crédito Oscus Ltda. Ambato – Tungurahua

Abstract

The objective of this degree work is to analyze how the financial services at the Savings and Credit OSCUS Cooperative Ltd. Ambato – Tungurahua are operated for the improvement of competitive factors. The research was carried out through surveys applied to active partners and interviews to personnel in the administrative and operational area, which helped in the analysis of management processes, which allowed determining the following results: the analysis of financial services operability identified factors that determine the competitiveness of the service that customers perceive, determined the satisfaction levels of its partners and allowed to identify the financial service with the greatest impact and the frequency it is used with. The proposal is structured in three steps starting with the performance of the financial analysis, the Company performance monitoring was put into effect through the application of financial indicators that contained the PERLAS system and finally management indicators were applied. It is concluded that the Cooperative in 2018 obtained a greater number of deposits compared to 2017, obtaining as a result that it was increased by 2% demand deposits, 13% term deposits, in the credits granted in 2018 there was a significant increase in comercial loans of 115% compared to 2017, these services having a greater impact for the Cooperative. It is recommended to carry out an analysis through the PERLAS monitoring system where standardized formulas and financial ratios are used that eliminate the criteria to evaluate its operations, obtaining as a result a better communication that facilitates the cooperative quality and strength with the improvement of insuficient operational areas.