Diseño de un modelo de gestión de cobro para prevenir y recuperar cartera vencida de la Cooperativa de Ahorro y Crédito San Miguel Limitada. ubicada en la ciudad de San Miguel de Bolívar, en el año 2015

Abstract

The title of this thesis "Design a model of Collection Management to prevent and recover overdue loans of Cooperativa de Ahorro y Credito San Miguel Limited . lt is located in San Miguel de Bolívar, in 2015, lt was implemented to overcome the problems that were established in the lending process and create a proposal that helps to better manage the credit area. The quantitative - qualitative method was used, because it allows us to analyze the problem as well as the variables behavior in study, forging studies and interpretation of data, all based on credit information. In the qualitative financial data measured in monetary values and percentage thereof which have been measured values are analyzed and interpreted. The collection management model proposal attempts to overcome the credit and financial problems in order to achieve positive results and improvements in credit management entity. It has presented a comprehensive analysis of the NPLs of the bank, revealing to management results discovered in addition to the suggestions considered to help a better manage within the entity. It is concluded that the cooperative, has not taken a correct handling of the credit management also does not have a need to evaluate the management of the entity management tool and financial decision making. Conclusions and recommendations that were exposed, it seeks that the management implements corrective steps to the weaknesses identified, in order to get to the strengthening of the cooperative and get a grip on credit and financial operations carried out, to thereby achieve optimizing the use of base of resources that it posses.