Modelo de gestión para controlar el riesgo de crédito en la Cooperativa de Ahorro y Crédito Riobamba Ltda., agencia La Condamine, de la ciudad de Riobamba, provincia de Chimborazo, periodo 2015-2016

Abstract

The present investigation is a Management Model. It was designed to control the credit risk for Cooperativa de Ahorro y Crédito Riobamba Ltda., at La Condamine bank branch in the city of Riobamba, Chimborazo province to improve its financial policies so that late payments can be diminished or avolded. The credit, credit granting, credit risk, late payment, collection, management, credit related human resource and computer system management processes were used to study the credit union status. The investigation results demonstrate the credit union does not have technical management tools for credit risks. That is why, it is not accurate when granting loans. It is concluded that this credit union is exposed to all the risks described in the theoretical framework, the credit risk is the most common in the operating system though. It is recommended to implement the management model to have a proper granting, management and collection process.