Diseño de un modelo de gestión de riesgos financieros y administrativos para la Cooperativa de Ahorro y Crédito Acción y Desarrollo Ltda., de la ciudad de Riobamba, provincia de Chimborazo, período 2015

Abstract

Accion y Desarrollo credict union does not have a model of management of financial and administrative risks It has resulted that decisions were taken based on uncertainties of events, without analyzing the risks affecting it The present research is done with the aim of designing a financial model management and administrative risks to Accion y Desarrollo credict union the of Ltda. from Riobamba city Chimborazo province in 2015 period to making adequate administrative and financial decisions that contribute to the continuous improvement of its processes, applying adequately allow the institution to increase its deposits, an efficient recovery of portfolio and fulfill the obligations with the public, of levels liquidity within the parameters required by the inspection bodies, facilitating the cooperative strengthen its financial structure, improve its profitability, image and corporate positioning in the region. The result of the research is the proposal of the financial model risk management and administrative it will let to control and monitor financial, administrative and operative credit risks.