Estrategias para reducir el índice de morosidad de los microcréditos otorgados por la Cooperativa de Ahorro y Crédito San José Ltda. En la oficina matriz Chimbo durante el periodo 2012

Abstract

The present research was carried out in order to design strategies for reducing the delinquency rate in the micro-credit by the San José Ltda. Credit Union., Chimbo central office, Bolivar province. To develop this research some methods were used allowing realizing an internal and external diagnosis in the microcredit area, such as the field trip determining and analyzing the current conditions in this area. The survey to the Credit Union employees getting real information about concession and microcredits recovery, the customers survey determining the cause of delinquency. It is considered as more important strategy the plan creation for the past due accounts recovery in micro-credit area at the Credit Union finding a delinquency rate, producing the provision that affect financially to the Union. To achieve this strategy becomes successful it must be focused in the main customers and those that cause greater provisions. The correct implementation of this strategy will help to recover the past due account values, minimizing the delinquency rate in order to improve the Credit Union situation as far as the cash flow is concerned.