Evaluación del proceso de Crédito y Cobranza de la Cooperativa de Ahorro y Crédito San Francisco Ltda., agencia Matriz, ciudad Ambato, provincia de Tungurahua, período 2014 para determinar áreas críticas en la cartera vencida

Abstract

The present investigation poses to evaluate the loan-granting and collection process at Cooperativa de ahorro y Crédito San Francisco Ltda., branch office in the city of Ambato, province of Tungurahua in 2014. It aims to identify the critical areas in overdue loans, to evaluate acquisition, granting and collection of loans, to measure the efficiency and effectiveness level when investing capital share for its development. The investigation was qualitative and quantitative. The descriptive and analytical methods were used. Besides, the techniques such as interviews, surveys, comparison were used to determine failures when granting and collecting loans. The results were as follows: the employees are not properly trained, they do not know about the loan granting process, there is no update information of requirements about customers increasing overdue loans. The employees are not evaluated permanently. The Credit Board does not work properly because the information cannot be verified and reports are written to proceed with legal issues. The shareholders do not know about collecting policies. It is recommended to have well-trained employees. The loan-granting and collecting department must update all loan-owing shareholders’ information and evaluate its employees constantly, verify the information before granting loans to keep update information and apply the handbook and the loan granting process, the strategies and recommendations included in the report.