Plan de acción para minimizar el índice de morosidad de la Cooperativa de Ahorro y Crédito San José Limitada. Sucursal Guaranda, provincia Bolívar, cantón Guaranda períodos 2016-2017

Abstract

During 2018 and 2017, an Action Plan was carried out to minimize the defaulting of the Cooperativa de Ahorro y Credito San Jose Ltda., from Guaranda Province in order to verify and analyze the degree of efficiency and effectiveness of this financial institution. The plan contains a background, legal basis, organizational and functional structure of the entity, as well as a general summary, technical support, concepts and methods such as: The Analytical method that separate the elements, processes and strategies of the Cooperativa de Ahorro y Credito San Jose Ltda., Guaranda branch. These strategies allow to improve the collection management of the financial institution. The Deductive method analyzes theories, laws, principles, etc., to apply them to particular solutions or facts within the institution. Within this work a Credit Portfolio Analysis is developed and the final report is issued. In conclusion, an action plan is no more than the alternatives to be used when the results have not been favorable for different circumstances. The alternatives for continuous improvement are recommended to help reduce the defaulting and improve the overall situation of the financial institution. Finally, the bibliography used is presented in which details the sources of research such as: books, websites and documents provided by the financial institution, concluding with the annexes.