Diseño de estrategias para reducir el nivel de morosidad en la Cooperativa de Ahorro y Crédito Sembrando Futuro Ltda., cantón Riobamba, provincia Chimborazo, período 2018-2022

Abstract

The objective of this degree work is to design strategies to reduce the level of delinquency in the Cooperativa de Ahorro y Crédito Sembrando Futuro Ltda., Riobamba canton, Chimborazo province, period 2018-2022, prioritizing improvements in the aspects of conception, placement and credit management in the Credit and Collections Department, contributing to the Ecuadorian financial market. For the development of the project, a survey aimed at the members of the cooperative was necessary. In the same way, an interview applied to each of the entity's internal clients was crucial, to establish the causes that lead to the high levels of delinquency. It complemented the investigation by analysing the financial statements, the loan portfolio, and the financial indicators that supported the problem facing the financial institution. The leading causes were the deficiency in the granting, management, and recovery of credit, these being the causes that had an impact on delinquency. The proposal will provide strategies aimed at the cooperative's needs based on the credit process that begins from the moment the member requests information, besides, general policies are established that must be taken into account by the Credit and Collections Department. The recommendation is to implement this proposal as it establishes improvements in credit management, reducing operational, administrative, and financial problems in the Cooperativa.