Modelo de gestión para recuperación de cartera vencida para la Cooperativa de Ahorro y Crédito “Pacifico” Ltda., cantón Riobamba, provincia Chimborazo del periodo 2010 – 2014

Abstract

This research aims design a management model for recovery overdue portfolio in the area of credit and collection of the Cooperative Savings and Credit "Pacifico" Ltda. For which we recognize the approach of the problem, justification and objectives of the work, doing reference to bibliographical sources and referential for understanding the basics scientifically substantiate the theory of the proposal, in this research use he methodological framework by which information is obtained people involved in the area credit of the cooperative, using techniques and instruments designed by surveys, interviews and direct observation which is interpreted and analyzed on the basis of their results. Finally, the proposal of the Management Model is defined for recovery overdue portfolio for implement within the cooperative it referred to the Management Model, structural organizational chart, function's manual, policies and collection procedures. It has been concluded that the Cooperative has high delinquency rates due to lack of monitoring of loans granted because the staff does not exercise effective activity limiting depth analysis of the causes of non-payments. So we recommend implementing and implement the management model for recovery of nonperforming loans and obtain efficient results, sufficient liquidity for new loan placement.