Elaboración de un modelo financiero, para lograr una mayor competitividad, mejorando las políticas de crédito en la Cooperativa de Ahorro y Crédito Kullki Wasi en la ciudad de Ambato, provincia de Tungurahua en el año 2013

Abstract

Elaboration of a Financial Model to achieve a greater competitiveness, improving credit policies, in the Savings and Credit Cooperative Kullki Wasi Ltda., In the City of Ambato, Tungurahua Province in 2013 with the purpose of providing greater support to this entity, through supervision and monitoring that allow financial information to be able to make timely decisions. The problem that persists in the Savings and Credit Cooperative Kullki Wasi Ltda., Is the absence of a Financial Model so a series of deficiencies have been identified within the Department of Credit and there is no established criteria for the evaluation of the information financial ratio, so that the delinquency rate increases. In the present investigation it has been necessary to establish objectives such as: Design a Financial Model to improve competitiveness, diagnose the current situation of credit policies, evaluate credit policies and identify the processes to determine the correct cancellation and granting of credits. In this work of research of Thesis on a Financial Model the qualitative-quantitative paradigm is used. Qualitative, through observation about reality and data have been collected, which are then analyzed to be able to issue criteria, opinions and value judgments. Quantitative research is valuable because it studies particular aspects and generalizes from a single perspective, obtaining the information of the population and shows that it is studied in this thesis. The results of the surveys and the interview, justifies the need to develop a financial model for the financial institution. In its 10 years of existence the financial institution does not have a Financial Model would be essential to put into practice this Financial Model P.E.R.L.A.S. in the Credit Department of the Savings and Credit Cooperative Kullki Wasi Ltda., since it is a working tool to have better decision making, maintain an appropriate credit portfolio, and allow to be competitive.