Diseño de un plan estratégico para colocación y recuperación de cartera vencida en la COAC Sol de los Andes ubicado en la ciudad de Riobamba

Abstract

The following investigation´s objective is to desing a strategic plan for collaboration and recovery overdue notes receivables at the COAC located Sol de los Andes in the Riobamba city. The situational diagnosis of the cooperative was made with the help of analysis of the framework environment, the study of the company´sresources and the SWOT matrix, the surveys applied to the members of the cooperative and the interview with the credit department officials, the 51% of the surveyed members go to the cooperative Sol de los Andes to request credits to cover running costs or extraordiary at specific moments of lack of liquidity. The 52% of the people surveyed state that it has made 1 to 2 credits. The credit that most of the partners´access is the microcredit, in order to cover emerging needs with 53%. The strategies were proposed according to the mix of communication services, the following are mentioned: the dising of the brand and slogan, the rendering of services, the payment facilities, the advetising radial spot, the new means of communication, the redesing of credit policies, the process of granting loans, collection techniques, quality of work, the readjustment of the áreas, giving a total budget for the implementation of $32.835 dollars. It is recommended to apply atrategies base don the marketing of services, which wil help increase market coverage, increse the client portfolio, and therefore, obtain higher profist, thus becoming a highly competitive institution.