Plan de acción de recuperación de cartera vencida para disminuir el índice de morosidad de la Cooperativa de Ahorro y Crédito Pushak Runa Ltda sucursal Riobamba, en la ciudad de Riobamba, provincia de Chimborazo, período 2016

Abstract

This research designed an Action Plan for the recovery of overdue loans and to reduce the default rate of Credit Union the Pushak Runa Ltd. of the Riobamba city. The action plan was based on working orderly to continuously improve the policies, procedures and processes of the organization. This research work applied techniques as the survey to the partners and the interview to the director of the credit and collections department; also the financial analysis was performed which determined the current situation, where it was evidenced that the loan portfolio is not organized based on the Law of Popular and Solidarity Economy, the resolutions of the Superintendence of Cooperatives and the institutional statutes. The action plan will do possible monitoring and evaluating the Credit Union performance and its collection system, so that continuous improvement is part of the organizational culture. The proposed Action Plan constitutes the reference framework on which alternatives, corrective actions or improvement projects can be managed and implemented, which will allow the Credit Union Pushak Runa Ltd., to increase its strengths, offering a service that fully meets expectations of the customers.