Diseño de la creación del departamento de cobranzas para disminuir la cartera vencida de la Cooperativa de Ahorro y Crédito Minga Ltda. agencia Riobamba, año 2016

Abstract

The present research work proposes the Design of the collection department creation to reduce the past-due portfolio of “Cooperativa de Ahorro y Crédito Minga Ltda. Agencia Riobamba” in the year 2016. It started with the problem identification of the organization through its background. The development is based on the surveys applied to all the human talent of the entity which will improve the management of collections, decrease the past due portfolio, prevent credit risks, to enhance its effectiveness and efficiency in the financial administration of the cooperative. For the proper operation of the collections department requires of human talent trained, and resources such as: material, financial, administrative and technological by assigning their respective roles and responsibilities through function manuals, procedures manuals and policy manuals. On the other hand, it established the necessary budget for the creation of the design of the physical structure and its implementation. The results that will be obtained with the creation of this department will reduce partially or totally the minimum required that is the 3%, of 7, 04% that represents the current past due portfolio. In addition, it will also allow achieving satisfaction as an organization which is going to be reflected in its profitability. Finally, it recommends having a budget, so it would be convenient that Miss Manager together with the managers designate an adequate amount for the budget in the year 2017 to be carried out.