Diseño del departamento de riesgos en la cooperativa de ahorro y crédito Acción y Desarrollo Ltda. en la ciudad de Riobamba

Abstract

Having identified the problems caused by the absence of a risk department, the importance of carrying out this research work was determined to be able to develop different strategies that allow increasing the levels of efficiency, efficacy and effectiveness in a financial institution. The main objective of this study was to design a risk department at Cooperativa de Ahorro y Crédito Acción y Desarrollo Ltda in order to properly manage risks and reduce the levels of losses within the institution. The modality applied in the development of this research was mixed as quantitative and qualitative data were presented in the process of collecting information, 3 types of research were used; Exploratory, Descriptive and Explanatory. In addition, the following techniques were used: a survey, an interview applied to all the officials who work in the main office of the company. In conclusion, Cooperativa de Ahorro y Crédito Acción y Desarrollo Ltda must create a department of risks to be able to identify, analyze, evaluate and control the risks that may arise and thus make proper and timely decisions to avoid economic losses. Finally, the creation and preparation of the risk management manual was suggested, which will help to identify the functions and activities that the personnel in charge of this department must carry out.