Modelo de gestión de cartera crediticia para minimizar el riesgo financiero en la matriz de la Cooperativa de Ahorro y Crédito Fernando Daquilema Ltda., en el cantón Riobamba, provincia de Chimborazo, período 2017

Abstract

The objective of the present research is to develop a Credit Portfolio Management Model to minimize financial risk in the matrix of the Cooperativa de Ahorro y Crédito Ltda. Daquilema., whose motivation was focused on a proper outlet of decisions that allow achieving the proposed objectives. When not having strategies that help to recover the portfolios of the cooperative, the objective was to design a credit portfolio management model to minimize the financial risk in the matrix of the Cooperativa de Ahorro y Crédito LTDA., In the Canton Riobamba, Province of Chimborazo, Period 2017. The modality of the research was a qualitative-quantitative approach, where the type of research was bibliographic-documentary, field and descriptive. Surveys were carried out to the administrative and operative staff of the cooperative where it was possible to demonstrate the lack of a model that allows to reduce the financial risks. Finally, it is concluded that a credit portfolio management model does influence to minimize financial risk; Therefore, it is recommended to carry out a general and financial analysis of the cooperative, to later propose strategies for reducing financial risks and the respective projections.