Análisis del proceso de crédito y su incidencia en la morosidad de la cartera en la cooperativa CACPE Pastaza agencia matriz

Abstract

This investigation is aimed to analyze the incidence of credit process and delinquency of portfolios in the Cooperativa CACPE Pastaza Agencia Matriz. The methodological approach was qualitative and quantitative in detail; recording a baseline of information, measurable data and underlying records, describing the characteristics of the dependent and independent variables of the study. It is a field, bibliographical and descriptive research; in the field activity, an information base is compiled from the different facilities of the institution. Being an analytical study, it is necessary to analize books, brochures, magazines, scientific articles, among other sources to base theoretically; In addition, the detailed interpretation of the information obtained is described, as appropriate. The techniques used in this study are: the interview addressed to the manager of the company; and a survey applied to seventeen collaborators of the company. Likewise, it is defined that of the study population is made up of institutional partners and clients with a significant sample of three hundred and ten people. The results show that the credit processes are appropriate, and allow them to carry out their work according to the activities and functions assigned. However, there are external factors that influence efficient compliance in this area, such as ignorance of established credit processes, lack of advice for the proper use of the loan delivered, lack of follow-up after delivery of credit and economic solvency of clients who stop receiving the necessary income to cover their credit on time. A credit policy and process manual is prepared based on ISO 9001:2008.