Políticas de gestión financiera para el mejoramiento de los índices de morosidad de la Cooperativa de Ahorro y Crédito Cañar Ltda.

Abstract

In this research, the behavior of the members who maintain credits in the Cañar Ltda. savings and credit cooperative was studied, with the objective of implementing policies to reduce delinquency rates that affect the performance of the credit portfolio of the cooperative. Information was collected from a sample of 267 members of the total of 878 members who maintain active credits in the cooperative. For the validation of the data obtained in the survey applied to the partners, Cronbach's alpha statistic was used, which gave us a reliability of 86.9%. While for the analysis of the model, the Chi Square statistic applied in the seven questions that have the greatest relevance in relation to the investigation, with a positive result for the acceptance of the null hypothesis that indicates that the improvement of the delinquency rates of the Cooperativa de Ahorro y Crédito Cañar Ltda. depends on the financial management policies. The most important findings in this investigation are: the attention received, kindness and predisposition to help by the staff, as well as the information provided about the credits offered by the cooperative is regular. Similarly, 43.8% of partners consider that loan officers review the documentation on a regular basis. Determining that the incorporation of specific personnel is required for the area of overdue portfolio, who control and regulate the recovery activities, with the objective of reducing delinquency rates.