Análisis de los microcréditos de la COAC Riobamba Ltda. - agencia Condamine y su incidencia en los emprendimientos de la ciudad de Riobamba, período 2019 – 2020

Abstract

The present study focuses on the analysis of microcredits granted by COAC Riobamba Ltda at the Condamine agency and its impact on startups in Riobamba city, period 2019 - 2020 in order to determine the incidence of microcredits. An interview was conducted with the coordinator of the agency, surveys applied to members who obtained microcredits in the COAC that allowed them to obtain information for the development of this investigative work that revealed that poverty in marginal sectors in the city could cause credit risks in the institution as it is poorly managed due to a careless review of documents to grant credits, the lack of financial strategies and policies that have generated a increase in overdue portfolios. Therefore, the application of a collection process is proposed with its respective flowcharts to define the procedures in each of the stages such as: identify, measure, prioritize, control, mitigate, monitor and communicate, where the risk analysis procedures are executed to evaluate the future improvement in profitability supported by strategies that will help to make decisions. The evaluation determined that the implementation of credit risk analysis is necessary to assist the institutional operations through an adequate administration of credits, collections and obligations, which facilitates the recovery of overdue portfolio in the short, medium and long term. It is recommended to comply with the legal parameters and regulations being important that decisions will be based on guidelines currently established by the SEPS in order to establish new objectives and goals through training workshops, so that the clients undertake and learn how to manage and optimize their economic resources.