Análisis del crédito productivo y su incidencia en el mejoramiento de la calidad de vida de los socios de la cooperativa de ahorro y crédito Riobamba Ltda. agencia Guano período 2020-2022

Abstract

The analysis of productive credit and its impact on improving the quality of life of members of the Cooperativa de Ahorro y Crédito Riobamba Ltda. Agencia Guano period 2020-2022, the research was conducted because there is a weak collection management by credit executives which generates that the activities related to this area are not developed efficiently. This research was developed with the objective of formulating strategies to improve the quality of life of the members in the placement of productive credit. The research used both a quantitative and qualitative methodology, and applied instruments such as partner surveys, interviews with the credit advisor, agency manager, a financial analysis and a diagnosis of the current situation through the SWOT matrix, where it was determined that there are limited resources and capabilities between work areas, little interest in new strategies to strengthen the change, insufficient management in credit control, and little control in the granting of credit. For which improvement strategies were developed to help promote proper administrative management through the implementation of processes, procedures, policies to maximize the profitability of the organization which emphasize the development of an adequate placement of credits in a technical way for which it should develop an analysis of staff performance and comply with the planned activities to provide quality products and services to the member and to improve the profitability of the cooperative