Plan de acción para reducir el índice de morosidad en la Cooperativa de Ahorro y Crédito Sol de Los Andes Ltda., del cantón Riobamba, provincia de Chimborazo

Abstract

This research work consisted in the creation of an Action Plan to reduce the delinquency rate in the Sol De Los Andes Credit Union of the Riobamba canton, Chimborazo province. In order to have orderly and systematic information of the financial institution. The research was conducted through an interview with the Manager as well as the administrative staff, which allowed us to know how the cooperative is currently structured and the main processes carried out in the institution. With the information collected, the lack of a plan of action was found, which has resulted in a high level of delinquency and at the same time has triggered problems of financial sustainability. The action plan will reduce delinquency and obtain adequate processes for the placement of credits, and this will serve as a tool to recover liquidity. The application of this proposal is recommended so that there is a better administrative management in the cooperative.