Análisis de los factores incidentes en el índice de morosidad de la Cooperativa de Ahorro y Crédito “Acción y Desarrollo Ltda” Riobamba

Abstract

This titling work analyzes the incident factors in the past-due loan portfolio of "Action and Development Ltd" credit union at Riobamba. The methodology employed to know the cooperative´s current situation was through surveys carried out among the members of staff and partners, an interview with the manager, complemented with a SWOT analysis. The most incident factors found were inadequate credit approval procedures, poor recovery management, lack of training for human resources and weak advertising and promoting. It can be identified that the entity needs as strategies such as restructuring the placement and recovery management of credits, train the human talent, agreements with collection points for the placement and recovery of credits, implement new products and services, and train the partners. According to the results obtained in this research, the prompt implementation of the proposed strategies is recommended as well as the resources allocation to obtain positive results and successful decision making.