Diseño y propuesta de un manual de procedimientos para mejorar la gestión comercial del área de créditos en la Cooperativa de Ahorro y Crédito “San Miguel” Ltda. De la ciudad de San Miguel de Bolívar, provincia de Bolívar, durante el periodo 2013

Abstract

The main objective of the thesis is to propose a procedure manual to improve trade management area credit union in which by definition is a study of the procedures have identified the part of the cooperative is a very important task, and can plan and find the need to work efficiently and with quality tools, which will maximize its efficiency and competitiveness. The concern of our work is to make a tool in the implementation of operating procedures for the credit department implemented this resource that allows you to deliver and recover credits, manage your goals and have good short-term results to get recover 100 % of your portfolio and then implement these manuals entity can cover other areas of the cooperative. Procedure manuals, source this research will aim to find the weaknesses of the department, meet and get good results, namely finding the how, when, where, and have well-defined procedures from the beginning that are loan officers, department head, credit fee, the Management Board and the Supervisory Board until his full recovery. It will allow the procedure to be undertaken by the credit department from application to granting leave to be a weakness in his recovery, to project benefits in the rotation of a positive portfolio and meet other members and get social profitability seeks cooperative engagement. This structure investigation procedures manual ceases to be not only a supply of intellect, but we've put our heart to it financial institution can become a social part of our county and can change the reality that he now lives, to become a leader in all of Ecuador Cooperatives.