Análisis de operatividad de productos y servicios financieros para la cooperativa de ahorro y crédito Oscus Ltda., año 2023

Abstract

The analysis of the operation of financial products and services for the Oscus Savings and Credit Cooperative Ltda (COAC)., year 2023, highlights the need for a detailed analysis of the operation of the products and services, considering the taxonomy of its balance sheets, legal commitments and ethical. The objective of this document is to strengthen structures, implement customer acquisition techniques and compete effectively through a comparative analysis of financial indicators. In the investigation, both quantitative and qualitative methodology was used, instruments such as surveys of collaborators, partners, interviews to the manager were applied, and an economic diagnosis was carried out where it was determined that an exhaustive analysis of the operation of the company had not been carried out. the financial products and services it provides. This analysis is crucial since customers tend to compare service quality between different provider organizations. A detailed analysis of these products and services was carried out between 2020 and 2023, using techniques such as vertical and horizontal analysis to evaluate economic and financial performance, the analysis focuses on indicators such as liquidity, solvency, indebtedness, efficiency, asset quality, performance and delinquency, highlighting the importance for decision-making based on comparative analysis, the financial product and service with the greatest acceptance was identified and provides a detailed view of how the COAC operates financial management in a systematic and rigorous manner