Plan estratégico financiero para la Cooperativa de Ahorro y Crédito “Credi Ya Ltda”, de la ciudad de Ambato provincia de Tungurahua

Abstract

A Financial Strategic Planning was designed for the “CrediYaLtda”.Savings and Credit Association from the city of Ambato, Tungurahua Province, taking into account that it had low profits 1% in 2012 and 5% in 2013 being its main problem. Having done the enterprise diagnosis, its mission along with its objectives were established in the financial strategic planning in order that its vision can be achieved , that is why, an internal and external diagnosis was carried out in which there was a lack of rules for the administrative process and loan granting in the former; the Savings and Credit Association and their new control system increase applied by Superintendence of Solidary and Economy was reviewed in the latter. Being a solid, land competitive institution locally and nationally by offering high quality financial products and services so that customer and market expectations can be met accurately with high technology for its partners’ economic development is its vision. Therefore, its objectives are as follow: to increase the amount of partners thorough product and service portfolio, and to attract more depositors. Visiting craft associations, small enterprises and communities was the strategy. The most profitable and applicable strategies were chosen in OAP. Its execution will be evaluated by using green as highly reliable, yellow as reliable and red as poorly reliable. It is recommend to apply this financial strategic planning since the financial and administrative outcomes will be better for Credi Ya Ltd. Savings and Credit Association.