Estrategias para el control y recuperación de cartera vencida que permita aumentar el índice de liquidez en la Cooperativa de Ahorro y Crédito “Innovación Andina” Ltda., en el cantón Latacunga, provincia de Cotopaxi

Abstract

This research aims to make the "Design of control strategies and recovery of past-due portfolio to improve liquidity in Cooperativa de Ahorro y Crédito Innovación Andina Ltda., Latacunga city, Cotopaxi province”. Techniques such as: questionnaire surveys were applied to members in arrears and the institutional credit department staff, analysis of the liquidity index and evaluation of the credit portfolio that allowed the collection of information in order to understand the current financial situation of the cooperative. On the other hand, the loan portfolio led us to analyze the different factors that affect the delinquency of credit. Subsequently, the purpose to develop strategies, is to provide them as a tool to solve operational problems such as bad credit granting procedure and its follow-up in the institution. That is shown in 7.18 % of past-due portfolio due to noncompliance obligations from members. It is concluded that institution needs to build credit strategies as a guide aimed at the financial, administrative efficiency to solve operational problems, so it is recommended to apply the presented strategies in this research for a better decision-making and a good management in the credit processes.