Modelo de gestión de cobranza para la cooperativa de ahorro y crédito "Fernando Daquilema" Ltda., matriz Riobamba, provincia de Chimborazo, año 2023

Abstract

The savings and credit union "Fernando Daquilema" lacks a management model for cash collection and credit recovery, negatively affecting the financial health of the institution. Therefore, the present research was to develop a collection management model for the savings and credit union "Fernando Daquilema" Ltda. head office Riobamba, of Chimborazo province, year 2023" to optimize the recovery of loans and outstanding debts. The methodology combined quantitative approaches for data analysis and qualitative approaches to understand the reality of the population. Descriptive research was used to know the subjective perception of the population on the subject. Inductive and deductive methods served as the basis for applying tools such as interviews with the manager of the parent agency, the collection analyst, and the manager, as well as a survey of the credit and collection department. This approach allowed us to consider the particularities and specific needs of the financial institution, recognizing the diversity of profiles among its members and the importance of maintaining a positive and trustworthy image, in context it is concluded that the proposed model is based on strategies that balance the recovery of funds with the retention of members and clients, ensuring a fair and efficient collection process. It also focuses on compliance with regulations and standards to avoid legal risks and, through implementing technology and automation processes, seeks to optimize available resources and adapt the model to changing economic and financial conditions. Therefore, this research contributes to the body of knowledge on collection management in the field of credit unions, offering practical guidance for other similar institutions seeking to improve their management in this area