Incidencia del incumplimiento de información de avance académico por el estudiante para la recuperación de los créditos educativos concedidos por el Instituto Ecuatoriano de Crédito Educativo y Becas de la ciudad de Riobamba en el año 2009

Abstract

This investigation analyses the incidence failure of academic advancement information carried out by a student in recovering educated credit conceded by “InstitutoEcuatoriano de CréditoEducativo y Becas” of Riobamba city, during the year 2009. The “IECE” is an institution created for providing educative credit to ecuadorian students and profesionals. The study has been focused on the managerial capacity, competitiveness, finantial and technological quality of human talent that this institution holds for appropiate delivering and execution of finantial credit, resource administration as well as an analysis of economic, political, legal, social and cultural factors that affect the all activities development. As a result of this investigation it was found that the educative credit is a loan that is given to ecuadorians for financing their studies and their compromise is to fulfill the study programs and reback all values received after completing the study programs. It is necessary to state that in order to reback such amounts the borrowers account on a grace period. It has been determined that inadequated administration of the academic department monitoring makes its academic fulfillment fail on the part of the credit beneficieries. The investigation alloud the researchers to find out improvement strategies such as: The implementation of an advertisement plan which promotes the credit beneficiaries to fulfill with the IECE’S contract obligations; notification by means of call center system of academic failure; instant messaging system; notification of grace period ending by which it is required the first credit quota cancelation; the making a notification of death maturity resolutions whose late payment ranges 90 days; agreements with finantial entities and credit cards for the payment of electronic transfers through tellers; debit agreements by means of roll payment authorized by the beneficiery ; all these alloud a proper academic monitoring and a correct credit debt recoverying, this way it is posible a good channel resources management.