Plan estratégico de recuperación de cartera vencida en el Gobierno Autónomo descentralizado municipal del cantón Chimbo, provincia Bolívar.

Abstract

The purpose of the current research work, “Past due portfolio recovery Strategic Plan for the Municipal Decentralized and Autonomous Government of Chimbo County”, is to improve the economic income and reduce the existing non-performing loan rate. Some surveys for the contributors of the county were applied and interviews to the municipal workers in the Financial, Trustee Prosecutor, Appraisals and Cadaster areas, so for the Financial Director, a SWOT analysis was also carried out to determine the current situation of the Municipal Institution. The results reflected the lack of ordinances, norms or regulations that allow applying past due portfolio recovery processes; on the other hand, the debt collection department does not apply a good management to recover pending values for urban and rural tax payment of properties and especial contributions for improvements. It is concluded that the Past due portfolio recovery Strategic Plan is a feasible project since it will help to recover pending nonperforming loan values and optimize the economic resources. It is recommended for the Municipal Authorities to implement the current proposal.