Diseño de políticas y estrategias para minimizar el índice de morosidad en la Cooperativa de Ahorro y Crédito Minga Ltda., del cantón Riobamba, provincia de Chimborazo

Abstract

The main objective of this research is the “Design policies and strategies to minimize default ratio of the Cooperativa de Ahorro y Crédito Minga Ltda. Ltda., Riobamba canton, Chimborazo province. The techniques used for its development were: questionnaires applied to the partners and employees of the institution, analysis of the financial statements and evaluation of the loan portfolio, which allowed to collect information to know the current financial situation of the cooperative and the different scenarios in which the entity is located, on the other hand, the past-due portfolio led us to analyze the different factors that have an impact on credit default. Subsequently, the aim of performing policies and strategies is to provide a tool to solve operational problems such as the poor procedure in the granting of cedits and tracking of the same ones within the institution, an environment that is seen in the high default rate of the partners. With the aforementioned, the institution needs to establish a guide aimed at the efficiency of the administrative, financial and service management in order to obtain an effective management in the control of the processes towards the granting of credits and the recovery of portfolio with orientation to institutional sustainability, through the implementation of these policies and strategies, a change management, a technical and professional development will be visualized that will allow the cooperative a sustained growth.