Modelo de gestión administrativo-financiero para la cooperativa de ahorro y crédito 27 de Noviembre Ltda., periodo 2023-2027

Abstract

The administrative-financial management model for the “Cooperativa de Ahorro y Crédito 27 de Noviembre Ltda.” period 2023-2027, was developed due to poor decision-making because it is done empirically, and without defining strategies that allow the economic development of the cooperative to be achieved. The objective of the research was to identify the current situation of the cooperative through different methods and investigative tools to propose an administrative and financial management model, to improve economic growth. In the research, both quantitative and qualitative methodologies were used, instruments such as employee surveys, and interviews with the manager were applied, and a diagnosis of the current situation was carried out using the SWOT matrix, where resistance to change and insufficient internal control could be determined. , lack of innovation in products and services, and low control in the granting of credits. For this, an appropriate organizational structure was developed with a corporate philosophy by the services provided by the institution, financial management policies, procedures manual, and management of training for collaborators. It is concluded that the development of the administrative management model determines a direction for the management of the processes in each of the areas through the horizontal and vertical analysis of the situation states to comply with the corporate philosophy which will have an impact on the management. administrative to adequate and for the recovery of delinquencies through processes that detail the conception of credit and its recovery as direct strategies to reduce delinquencies