Aplicación de procesos para la reestructuración de la cartera vencida de la Cooperativa de Ahorro y Crédito Tena Ltda., de la ciudad de Tena, provincia de Napo

Abstract

This research aims to apply processes for restructuration of performing loans of the Credit Unit Tena, in the city Tena, in the province of Napo, in the period 2013, in order to better liquidity and profitability of the Credit Unit, as well as improve the efficient of the collection process in the cooperative organization, so it will be necessary technical knowledge and staff willingness to reach this goal. This research comes form an institutional and particular diagnosis of credit portfolio which allows knowing the real situation of it, the theoretical framework also contributes to reinforce knowledge and vitalize the proposal basically. Determining the necessity of structure the consume portfolio and micro-credit, and defining advantages and disadvantages of this process as organization as members have allowed establishing that the target is defaulter. The objective is reclaimed and bettered the quality of risky assets that Credit Unit “TENA” has. So, uncollectable portfolio, additional fees receivable, promotion of social-economics development will be avoided by the means of saving training servicing and lending according to norms and procedures established by their regulations. Promoting self-help principles, self-management, self-control as fundamental basis of functioning and development of the Credit Unit, its relationship and/or integration with national or international companies linked to cooperative system tries to strengthen the organization, so it is concluded that it is necessary appropriate education of the solvent-suject member and officials.