Propuesta de un modelo de gestión para recuperación de cartera vencida de la Cooperativa de Ahorro y Crédito “CACPE Pastaza” - agencia Macas

Abstract

This study aims to design parameters to elaborate a management model of portfolio recovery for “CACPE PASTAZA” Credit Union – Macas branch. The methodology focuses on a quantitative approach as an inquiry was applied to authorized loan officers. Furthermore, it was determined a qualitative perspective, on one hand, on account of the usage of direct monitoring over procedures, manuals, and credit policies; on the other hand, a document review about bibliographic sources on basic concepts which substantiate the theoretical content scientifically. A diagnostic was carried out about the current situation of past-due portfolio management and it was audited the application and procedures management, manuals, and credit policies. It was detected that the cooperative does not have a defined management model which includes collection strategies, therefore, it was determined the necessity of considering a recovery management model of past-due portfolio. A Management Model was developed for its future implementation. In conclusion, a well-structured management model allows recovering past-due loans efficiently and effectively. It is recommended that the financial institution would apply the proposal to recover the past-due portfolio which will facilitate claims recovery immediately.