Modelo de gestión de crédito y cobranza para la Cooperativa de Ahorro y Crédito Juan Pío de Mora Ltda., de la sucursal del cantón Quinsaloma, provincia de Los Ríos

Abstract

This thesis addresses the development of a Credit and Collection Management Model, for the Juan Pio de Mora Limited Branch Office, in Quinsaloma, Los Rios Province, considering the importance of having a policies and procedures manual to provide relevant information for decision-making by officials working in different levels in the Cooperative, this management model consists of Strategic Planning studies, institutional SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis, a credit manual implementation, so the officials in the area could be governed by the standards, policies technical, operational and legal procedures, requirements, guarantees, mechanisms and approval levels for granting loans, reaching its application to all the institution directors, officers, and employees, who have participation and responsibility in granting loans. Then, the staff will be trained in a systematic and organized way to acquire and develop knowledge and skills for the job taking into account that the new management model entitled Credit and Collection Management Model will be released to all the staff and developed within the area.