Estrategias de recuperación de cartera para reducir los niveles de morosidad y mejorar la gestión de la Cooperativa de Ahorro y Crédito “San Miguel de Pallatanga”, cantón Pallatanga, provincia de Chimborazo, periodo 2009 – 2010

Abstract

This research is entitled “Portfolio Recovery Strategies to reduce levels of delinquency and improve the management of the Cooperative Credit Union San Miguel of Pallatanga of the Pallatanga region, Chimborazo Province during the period of 2009 to 2010. The Savings and Credit Cooperative, San Miguel de Pallatanga Ltd is closed to the public, as governed by the General Regulations of the Cooperatives Act by the principles and rules of Universal Cooperatives, which state that third party liability is limited to its capital and its partners, who have personally invested capital and paid into the entity. The research contains a contextual framework of the Cooperative detailing: overview of the company, brief history, mission, vision, principles, corporate values, and organizational structure of the company. In addition, a situational framework of the cooperative, internal analysis, external analysis, SWOT analysis, diagnosis within the cooperative, cooperative environment diagnosis, and development of the proposal and portfolio recovery strategies are also included. Upon completion of this investigation it is suggest at the discretion of the administration of the cooperative to apply the strategies as discussed in this paper as needed.