Modelo de gestión de riesgo crediticio para el segmento microcrédito de acumulación simple, para la Cooperativa de Ahorro y Crédito Pushak Runa en la ciudad de Riobamba en el período 2016

Abstract

The project aimed to Design a credit risk management model for the microcredit of simple accumulation, in order to develop solvency indicators and profitability at the Saving and Credit 'Pushak Runa”Cooperative, so it began with an analysis of the problems in the operative risk, especially to the slowness risk, starting with the situational diagnosis to know the aspects of outlining the model that establishes standars and politics with the intention of optimizing the strategic processes to raise the internal projection and to satisfy the needs of the client with mitigation of the risk in the cooperative. The study allowed to obtain information by surveys and quantitative analysis of the rotation of past-due portfolio of 14,54 % while was identified credit manuals nonperformance in spite of its existence, factor that determines the implementation of Credit Scoring, so it is posible to get good credit relations with the associates because a valuable evaluation of the requested credit will not allow them to fall down in slowness and support a good credit record, also this evaluation helps the lenders to take decisions linked with the credit granting. For it there was performed a credit scoring proposal which guarantees yields, solvency, liquidity and efficiency, for this it is developing technical procedures in all its operative lines; from there that, its activities are faced to reach every time ideal financial ratios that allow them to increase profitability.