Modelo de gestión crediticia para la cooperativa de ahorro y crédito “Fernando Daquilema” Ltda., año 2023

Abstract

The present research work called credit management model for the Cooperativa de Ahorro y Crédito "Fernando Daquilema" Ltda., had the objective of developing a process of change in the credit area to reduce the delinquency indicator. All this was carried out under a methodology with a mixed approach, with a descriptive level of the variables through a non-experimental and transversal design to the processes of the institution with a type of documentary and field study; the same that were processed thanks to the inductive and deductive methods and the application of the different research techniques and their respective instruments. The construction of the model suggested a specific and orderly structure based on reducing delinquency and generating changes in the process of granting, recovery and follow-up of overdue portfolios, so that appropriate decisions can be made to improve internal procedures and contribute to achieving the established goals; this administrative instrument was divided into three parts: credit granting process, credit renewal and follow-up and collection process, in order to obtain a negative indicator of the overdue portfolio. Through the results obtained in the research process it was possible to develop the components that make up the design of strategies and credit policies. Thus concluding that by implementing preventive administrative tools in the credit area, a decrease in the portfolio at risk is achieved. Therefore, it is recommended to implement the design of strategies to reduce delinquency, following the processes established in the flowchart created in the research, in order to achieve efficiency in the activities in the credit area, minimizing risk indicators progressively