Modelo de gestión a los procesos de análisis, aprobación y recuperación de créditos en la Cooperativa de Ahorro y Crédito “San Jorge” Ltda., de la ciudad de Riobamba, provincia de Chimborazo, período 2014

Abstract

The present investigation was carried out to a management module processes analysis, approved and recovered credits, particularly related to microcredit, to mitigate credit risk and timely decisión-making at Credit´s Cooperative “San Jorge”. For developing the management module was used the inductive- deductive method, and the following techniques: observation, surveys and interviewssoworked with the staff that is directly related to the granting of credits´ Cooperative. The respective information is supported in the newproductive matrixpublished by SENPLADES; the design of the structures was performed based on the guide PROECUADOR; and with regulation of the Superintendence from Banksand Insurance Boardand Monetary Policy and Financial Regulation. It is recommended that acreditstructure to because the information is changing each partner according to the economicactivity that is engagedand the time in which their production or marketingdelay; while the paymentof ratesof microcredit should be flexibleas it should take into account various aspects such as the rotation of the good or service, seasonamong others.