Modelo de gestión crediticia para reducir la morosidad del segmento microcrédito en la Cooperativa de Ahorro y Crédito Corporación Centro Ltda. agencia Latacunga, año 2022

Abstract

The credit management model to reduce delinquency in the microcredit segment in the Cooperativa de Ahorro y Crédito Corporación Centro Ltda. Agencia Latacunga, (COAC) year 2022. The research is developed as there is currently an increase in delinquency levels. For the development of the research, the objective was to analyze the credit management of the COAC to apply measurement instruments that make visible the elements that affect delinquency. A quantitative and qualitative methodology was used, instruments such as surveys were applied to collaborators and partners and a diagnosis of the current situation was carried out, where it was determined that the credit process has flaws because the destination of the credit is not monitored. credit, lack of detailed credit placement and recovery process, there is no evolution of the financial statements, to know the economic situation of the organization due to the institution not reviewing its policies and management of credit placement at the time of granting the loans. loans and portfolio recovery so that the partner or client does not fall into default. The development of the model focuses on achieving high quality and the opportunity for growth. For this, compliance with the regulations for the organization was applied, to make economic and financial decisions, to reduce the delinquency rate of the cooperative through the creation of the model. Credit scoring as a quantitative qualification tool which allows credit applicants to be ranked according to a scoring system and significantly improve their efficiency and profitability