Plan operativo de gestión para el incremento de la competitividad en el área de crédito de la Cooperativa de Ahorro y Crédito “Pacífico” Ltda. sucursal Alausí periodo 2013

Abstract

The purpose of this paper is to propose strategies to increase lending in Cooperative Savings and Credit “Pacifico” Ltd., Branch Alausì, allowing promote competitiveness and development of the activities of the institution, thus providing better service credit to the population of the city of Alausì and fulfill the goals and objectives of the company; the research carried out is as follows: A diagnosis of the current situation through a FODA analysis on the internal and external situation of the company, a questionnaire was used to be applied employees of the branch who said they did not have an Operating Plan in the credit area, therefore there is no control and monitoring loans, for this reason it is necessary to have an Operating Plan that will achieve the objectives. On the other hand, a loans analysis was performend to determine the default of the institution and based on this information the proposal was made. Note that the development of this Operating Plan was realized with the support and decision of the Governing Staff and Executive of the Cooperative by the importance of the issue and the need to implement to increase appropriations and correct development of activities, through this research is timely and thus arrives at achieving greater market potential in Alausì canton, offering good customer service attention to the credits, so that the cooperative achieve a good standard of competitiveness and comply with all the requirements of the Ley Orgànica de Economìa Popular y Solidaria and its Regulations.