Diseño de un sistema integral de cobranzas para la Cooperativa de Ahorro y Crédito Cámara de Comercio del cantón Bolívar Ltda.

This research was carried out with the purpose of designing a comprehensive system of credit recovery for the Chamber of Commerce of the Bolivar Canton Ltda., which began with interviews with the general manager and Chief Department of loans and recovery, the same who helped verify the shortcomings existing in the granting and collection of the loans due to lack of the system the observation that allowed to have a general perspective on the behavior of the credits from the time of the grant to the collection, techniques that helped identify the flaw of the nonperforming loans that is located in the institution according to data extracted from the balance sheet cut to December 31, 2013 resulting 48%, non-performing loans given by the poor provision of credits partners and by the lack of requirements that must comply the approval of the same, it was also verified that the cooperative does not have any internal regulation for the credit situation. Set of activities, strategies and actions were proposed for the grant and credit recovery. It was taken into consideration the rules indicated by the Super intendancy of Popular and solidary economy regulator of the financial sector, which has an introduction, purpose, mission, vision, process of granting of credit, preventive collections, threads of collections by delay, control of investment negotiations, prejudicial and judicial, these processes will help the cooperative has a system of effective and efficient collection and thus a satisfactory portfolio for this institution.

• 主要作者: Zambrano Solórzano, Gema Valeria (author)
• 格式: bachelorThesis
• 语言: spa
• 出版: 2014
• 主题: Diagramas; Concesión; Morosidad; Recuperación
• 在线阅读: http://repositorio.espam.edu.ec/handle/42000/411