Elaboración de un plan de restructuración de los créditos agropecuarios otorgados por la Cooperativa de Ahorro y Crédito “San Miguel Ltda.” de la provincia Bolívar cantón San Miguel en el período 2011

Abstract

The present thesis developed in the Cooperative of Savings and Credit San Miguel Limited; A Plan for the Restructuring of Agricultural Credits is designed so as to allow the recovery of the overdue portfolio and, consequently, the reactivation of agricultural and livestock activities. Chapter I; Contains the general information of the Institution, that is to say, as it is legally born the Financial Institution, its Mission, Vision, Objectives, which are its services and financial products that offer to the Community San Miguel and of the Province Bolivar. Chapter II; Contains the situational analysis of the Cooperative of Savings and credit San Miguel Limited, the external analysis the same one that gives us as result the Opportunities and Threats, and the internal analysis that gives us results like the Strengths and Weaknesses that maintains the Institution at present , Then the survey technique was applied the same one that gave us results that our proposal is viable for all the partners that maintain debt under the past due portfolio with the Institution. Chapter III, it contains the process of restructuring agricultural credits through a flow of processes, which consists of the Investigation of Partners that are in a past-due portfolio that accrues interest, following the socio-economic analysis of the partner through Of an Indebtedness cash flow; Then proceed to fill the Request for Credit Restructuring to culminate in the collection of the loan in arrears. It concludes with conclusions and recommendations issued in order to implement corrective actions and the implementation of the proposal with the objective of adequately managing the credit portfolio.