Diseño de un plan estratégico para mejorar la eficiencia y eficacia en la recuperación de cartera vencida de la Cooperativa de Ahorro y Crédito Indígena SAC Ltda., ubicada en la ciudad de Riobamba

Abstract

The present research was carried out to design a strategic plan to improve the efficiency and effectiveness in the recovery about past due loans at saving and Credit Cooperative Indigenous SAC Ltda., it is located in Riobamba city. It performed to recover the Cooperative’s liquidity and the direct observation of financial documents like Balance Sheet period 2014-2015 and application of surveys to partners were used. For which it proposes new internal policies for the concession of credits new internal policies are proposed for the granting of Credits, a manual, and flow chart designed to stremline processes in área of credit and colletion; also the trining and advice to both employees and users of the Company. With these strategies, Cooperative will have a guideline to guide their decisions and in order to take corrective measure for dealing with the debt problem receivable and at the same time to identify in a timely manner any weakness that might be at the financial institution in the future. Finally, it is recommended to carry out a periodic analysis of credit risk from entity; so that the manager together with their collaborators improves the management arrears of credit loans.