Estrategias financieras y administrativas para reducir el riesgo crediticio en BANECUADOR agencia provincial Puyo durante el periodo 2020

Abstract

Administrative and financial strategies to reduce credit risk in BANECUADOR provincial agency of Puyo during the period 2020, had as improving the credit portfolio. as well as reducing credit risk, techniques such as: questionnaires applied to customers, employees and analysis of financial statements, as well as an evaluation of the loan portfolio based on the vertical and horizontal financial analysis of the balance sheet were used for its development. and income statement, thus the financial indicators that allowed to know the financial situation of the institution were determined. Finding the following findings: the entity does not have policies and strategies that allow it to reduce credit risk and carry out an adequate administration of credits and collections, in addition there is no training schedule for officials, on the other hand the overdue portfolio obtained analysis of the different factors that affect credit delinquency. With the aforementioned, the institution needs to establish a guide aimed at the efficiency of administrative, financial and service management for this way to obtain a favorable management of the control of the processes towards the granting of loans and the recovery of the portfolio with, orientation to Institutional sustainability, through the execution of various policies and strategies, a change management will be visualized, a technical and professional development that will modify the cooperative to its sustained growth. It is recommended to implement the design of strategies to reduce late payment, follow up on the processes established in the flow established in the investigation, to achieve efficiency in activities within the credit department, gradually reducing late payment.