Incidencia de la calidad de la información para la rápida recuperación de la cartera vencida en el microcrédito de la Cooperativa de Ahorro y Crédito San Pedro Limitada de la ciudad de Guaranda, provincia Bolívar en el primer semestre del año 2010

Abstract

Investigation is focused in the incidence of the quality of information for the rapid recovery of the due portfolio in microcredit of the Cooperativa de Ahorro y Crèdito San Pedro Limitada in Guaranda city, Bolivar province in the first semester in 2010. The diagnosis of this research determined that the financial company collects information deficiently because the requirements for the loan are not in agreement with the economical reality of the partner for payment capacity, this is a hypothetical information without having the necessary checking by the personnel of loans. That is why since 2008, there is a high rate of due portfolio in the institution which has been generated by false information given by the partners in the loan request, causing difficulty in the recovery of the due portfolio, causing lack of liquidity in the institution. It is difficult to locate the debtor and the guarantor for any notification, by different reasons, being one of the main reasons the residence of the partners who don´t live in the city or province, or their place of living is unstable, causing difficulty for the collection of money, that is why, they cannot know the state of their economical agreement and a Judicial Procedure is started which means costs nor recoverable for the institution. To reduce the judicial procedures, it is recommendable to make an efficient and effective data base through the gathered information of the business draft, because itself is the source of the repayment of the agreement with the institution. The implementation of the payment capacity matrix and the fulfillment of the procedures for the loans and the recovery of the due portfolio are the best measures to reduce the financial risk.