Planificación estratégica para la Cooperativa de Ahorro y Crédito San Alfonso Ltda, de la ciudad de Ambato, provincia de Tungurahua período 2016 a 2020

Abstract

This research is a Strategic Planning for the “San Alfonso Ltd.” Credits and Savings Association in Ambato city, Tungurahua Province in the 2016-2020 period, in order to achieve the institution planned objectives and goals. An internal and external analysis was developed about the impact of the institution´s management through the SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis which helped to determine that there is a high percentage of past due portfolio, due to the lack of training in the processes of identification of the real economic situation of the associates and how this affects the portfolio recovery. The proposal was executed in which a manual of functions was developed according to the profile the staff must fulfill; strategic objectives were established towards the achievement of key aspects of the vision of how to improve the credits placing and recovery. lt is recommended that the administrative staff socializes the structural organization chart and the functions manual which have been made in this research, this will be a reference to establish parameters for the economic diagnostic of the associates; in addition, it is suggested to perform evaluations to the defined processes regularly, together with training to control the percentage of past due portfolio.