Modelo de gestión de crédito para prevenir y recuperar la cartera vencida de la Cooperativa de Ahorro y Crédito UNIANDES Ltda., de la ciudad de Riobamba, provincia de Chimborazo

Abstract

The present paper is referred about Design of a Credit Management Model in order to prevent and recover loans of Saving and account Cooperative UNIANDES LTDA. It was carried out at this financial institution by analytic-synthetic, inductive methodology, the field trip tools were applied to the administrate staff and customers. In the manual about credit and Collecting are detailed the organizational structure of the position. After that, we presented the procedures of the main activities, goals, responsible people, time and the goals which must be reached by the entity as a necessary tool make decisions in order to reduce the delay in payment. We recommended that the manager take an the management pattern based on a credit manual to collect the overdue loans by means an appropriate expert who has knowledge to establish norms and policies which will reduce the high level of delay payment, so that the staff of the cooperative have knowledge to apply tools of processes and policies of the cooperative according to mechanisms and strategies by using management indicators correctly in order to measure efficiency and effectiveness of the operations and activities registered in the cooperative.