Modelo de gestión crediticia para reducir el índice de morosidad, en la cooperativa de ahorro y crédito “Sol de los Andes”, de la ciudad de Riobamba.

Abstract

Cooperativa de Ahorro y Crédito Sol de los Andes Ltda, in the credit area, has not responded to the profitability because there is no technical analysis based on the economic and financial life of the partners, since they do not have a credit management model and evaluation of payment capacity to credit applicants, which keeps the financial institution with high delinquency, therefore, the objective of this research was the Development of a Credit Management Model to Reduce the Delinquency Rate in Cooperativa de Ahorro y Crédito Sol de los Andes Ltda of Riobamba City. The methodology implemented had a qualitative and quantitative approach; an exploratory and descriptive research level was used; the research design was used according to the manipulation of the independent variable and according to the interventions in the fieldwork; the type of study was based on exploratory research, field research, bibliographic research, and explanatory research; the study population was the manager, credit advisors, and members, for this purpose techniques and instruments were used, the interview addressed to the manager and the survey to the members. Through this methodology, it was determined that a credit management model is not applied in the granting of loans to applicant members. So, it is concluded that the financial institution does not have an adequate management model for the analysis and evaluation of the granting of credit, so a credit management model composed of three processes is proposed: the process for credit negotiation, the process for granting credit and the process for monitoring and collections.