Estrategias financieras para reducir las pérdidas generadas en la Cooperativa de Ahorro y Crédito San José Limitada - Agencia Quito Sur, Provincia del Pichincha Cantón Quito, Período 2019 -2020.

Abstract

The objective of this research work is the elaboration of financial strategies to reduce the losses generated in the San José Limited Savings and Credit Cooperative - Quito Sur agency, province of Pichincha canton Quito, period 2019 -2020. The research is of a documentary and field type because it was based on documentary bibliographic sources and financial information, the same that served as the basis for preparing this research work. A diagnosis was made through the SWOT analysis, the financial statements were examined as well as the application of financial indicators. This made it possible to determine that the San José Cooperative has not designed financial strategies for the Quito Sur agency, since during its fiscal years at the agency participation level, it registers losses, thus decreasing the overall profitability as an institution. The proposal contains strategies aligned to the following objectives: Maintain a ratio of technical equity vs. risk-weighted assets of greater than 18%, achieve a ratio of gross portfolio vs. assets of greater than 80% and a total delinquency level of less than 8%, Achieve annual growth in obligations to the public greater than the USD 3 million, with a DPF level of less than 75%, Improve the degree of absorption reaching a level of less than 70%, Segment where the losses are concentrated to mitigate future risks, Achieve a level of customer satisfaction greater than 80% , Reach a level of staff satisfaction greater than 85% and an average performance level greater than 80% and Have an annual intervention plan in social performance management, through the application of these financial strategies, guidelines were established that allow increasing the percentage of intermediation, financial structure, innovation, agility, personalized attention and measurement of the impact of financial operations with clients.