Elaboración de un modelo de gestión comercial para mejorar los procesos de colocación, seguimiento y recuperación de crédito de la “Cooperativa de Ahorro y Crédito Minga Ltda.” de la ciudad de Riobamba, período 2017

Abstract

The elaboration of a business management model to improve the credit placement, follow-up and recovery processes of the “Cooperativa de Ahorro y Crédito Minga Ltda.”, in the city of Riobamba, in the period 2017, motivated a situational analysis for developing strategies to distinguish it among its competitors allowing in this way to attract more members and creating loyalty to it. A sample of the study population was selected, to which the respective questionnaires were applied and based on them, a diagnosis of the current conditions of the financial institution could be obtained with reference to the credit processes. The proposal is the integral development of a Business Management Model presented by The Boston Consulting Group which, based on the situational analysis, provides a formal structure to the financial entity through strategies planning, which will allow to improve these processes by contributing to the development and growth of the financial institution. It is recommended to conduct continuous studies with reference to the behavior of partners, in order to identify the arising problems or needs, solving them effectively and efficiently.