Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014
The development of this research was to analyze the credit risk of the COAC EPS approach Calceta Limited during the 2013-2014 period for proper risk management present in each type of loan. In the first stage of study was taken as a reference to the Manager interviews and departmental heads were mad...
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| Formatua: | bachelorThesis |
| Hizkuntza: | spa |
| Argitaratua: |
2015
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| Sarrera elektronikoa: | http://repositorio.espam.edu.ec/handle/42000/362 |
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Etiketa erantsi | Gaia: | The development of this research was to analyze the credit risk of the COAC EPS approach Calceta Limited during the 2013-2014 period for proper risk management present in each type of loan. In the first stage of study was taken as a reference to the Manager interviews and departmental heads were made to have a profile of the types of loans that financial market demand during this stage was important to design flowcharts to understand more technical procedures and operations of credit, lending rates also issued by the Central Bank of Ecuador were analyzed, it was concluded with the analysis of financial indicators that reflected solvency, liquidity, among other ratios. In the second phase a comprehensive study of the survey conducted to credit partners to assess the level of risk by the profile of the beneficiary, know the reason for making the loan, if they met the target of it and what was the reason for was made monthly arrears, then the formula was applied credit risk considering the numeric data projection, as austerity and stealth of the institution does not allow open on all accounts and parameters field, finally a general diagnosis was performed COAC under the principles of the EPS, cooperative and good living plan. In the last stage the new policies that will strengthen the fundamentals loans in the respective law were socialized. |
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