Diseño de un modelo de gestión para la recuperación de cartera vencida en la Cooperativa de Ahorro y Crédito “Integración Solidaria Ltda. Del Cantón Riobamba Provincia de Chimborazo.

Abstract

The present research work, was determined to develop a collection management model for the recovery of the overdue loan portfolio in the Savings and Credit Cooperative "Integración Solidaria Ltda. Of the canton Riobamba province of Chimborazo", considering the problems that currently organization has an overdue portfolio of more than 10 years ago, it is well-thought-out the development of a management model, which it will reduce delinquency while establishing an update in improving the conditions of the portfolio to be granted by the cooperative. Given that this purpose seeks fundamentally to improve the efficiency of the process of recovery of overdue loans, it is imperative to develop technical expertise in the vision of the activities of the environment: credit unions, collection, and credit risk. And the need to optimize organizational resources is identified to avoid imbalances and cost overruns of an economic nature and promote the socio-economic development of employees. It is essential to conduct debt renegotiation under the principle that the business is considered as a transaction that benefits both parts, and to analyze the credit issue according to established rules and procedures: there is a basis for cooperation and payment, and the amount of the renegotiation fee should be based on the actual payment of the member's adjustment capacity. To be more competitive, the agency should emphasize a technical and quality dimension in its process when extending credit.