Estrategias para reducir el índice de morosidad de los micro créditos en la Cooperativa de Ahorro y Crédito Riobamba limitada. Agencia norte

Abstract

This certification work aims to elaborate a strategic design to reduce the procrastination average in the microcredits at “the association of credits and savings Riobamba, north agency”. In order to fulfill this job, several researching methodologies were used such as; surveys to the associates and credit officers, interviews both the manager and the agency head, financial statements analysis for getting to know the current financial behavior of the company and an integral inquiry to the existing procrastination. A deep analysis to the past due portfolio was quite useful because it was deduced that plenty of the associates pay promptly their credit. Later on the SWOT matrix was developed which designed the strategies. The procrastination considerably grew at 1,71% in 2017 in the company, but for the first semester of 2018, the north agency possessed a procrastination average of 2% according to the information given by the agency head. It is recommendable that the agency boss observes, analyses and executes the new proposed strategies due to these ones shall help to get the objective of reducing the procrastination average to less than 1%.