Modelo de gestión de cobranzas para la cooperativa de ahorro y crédito Duchicela, en el cantón Riobamba, provincia de Chimborazo, año 2023

Abstract

The Cooperativa de Ahorro y Crédito Duchicela does not have a collection management model adjusted to its needs, factors such as delays in payments by members and errors when requesting support documents to reduce exposure to the risk of not being collected the debt have led to a high rate of late payment, therefore, the objective of this research was to design a collection management model for the Cooperativa de Ahorro y Crédito Duchicela, in Riobamba canton, Chimborazo province, year 2023. The methodology implemented had a mixed approach, an exploratory research design was used. The population under study were the collaborators and partners that are part of this institution, being fundamental the application of a documentary and field research to obtain the necessary information through methods, techniques and instruments. An interview guide was directed to the manager of the cooperative and the survey applied to a sample determined by the partners and to all the workers of the cooperative. Through this methodology, it was determined that the Duchicela cooperative did not have a collection model adapted to its needs, and in relation to the credit granting process, the lack of analysis of factors that increase the risk that the debt will not be collected was detected. It is concluded that the proposed collection model will allow the cooperative to create opportunities to optimize collection procedures and maximize the recovery of outstanding debts. It is necessary to apply the proposed strategies, which are oriented towards development through efficient management