“Evaluación a los procedimientos de créditos y cobranzas de la Cooperativa de Ahorro y Crédito San Francisco Ltda. sucursal sur de la ciudad de Ambato para mitigar el riesgo crediticio”

Abstract

The purpose of this research is to conduct an "evaluation of the credit and collection procedures of the Cooperativa de Ahorro y Crédito San Francisco LTDA. Sucursal sur from Ambato city, para mitigar el riesgo crediticio" and evaluate the processes of credit granting and portfolio recovery, calculate the current credit risk index of the cooperative, as well as study the degree of efficiency demonstrated in its internal procedures and the level of satisfaction of its members with the institution. The research is exploratory, descriptive, and explanatory, using deductive, inductive, and analytical methods, allowing qualitative and quantitative results through the application of interviews, surveys, and direct observation of the problem, establishing deficiencies in the business area. The staff does not have training according to the real situation of the national and organizational environment, therefore there is no planning of placement strategies according to the needs and current conditions, the time for granting credit is very long and deficient in the face of the requirements of the members, which affects the image of the cooperative, the performance of the staff is not evaluated periodically for this reason problems that require immediate action are omitted. Members are unaware of the credit union's collection policies. It was concluded that the credit union does not carry out efficiency evaluations of its credit and collections manuals to determine whether they are in line with current needs to mitigate credit risk. Therefore, it is recommended to constantly monitor the performance of internal procedures to improve decision-making, improve delinquency rates and achieve real member satisfaction.