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...
محفوظ في:
| المؤلف الرئيسي: | |
|---|---|
| مؤلفون آخرون: | |
| التنسيق: | bachelorThesis |
| اللغة: | spa |
| منشور في: |
2015
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| الموضوعات: | |
| الوصول للمادة أونلاين: | http://repositorio.espam.edu.ec/handle/42000/362 |
| الوسوم: |
إضافة وسم
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إضافة وسم | _version_ | 1841312327783153664 |
|---|---|
| author | Vega Intriago, María José |
| author2 | Vera Arcentales, Jessica Carolina |
| author2_role | author |
| author_facet | Vega Intriago, María José Vera Arcentales, Jessica Carolina |
| author_role | author |
| collection | Repositorio Escuela Superior Politécnica Agropecuaria de Manabí |
| dc.contributor.none.fl_str_mv | García, José Luis |
| dc.creator.none.fl_str_mv | Vega Intriago, María José Vera Arcentales, Jessica Carolina |
| dc.date.none.fl_str_mv | 2015-12 2017-03-22T16:57:42Z 2017-03-22T16:57:42Z |
| dc.format.none.fl_str_mv | 115 p. application/pdf |
| dc.identifier.none.fl_str_mv | http://repositorio.espam.edu.ec/handle/42000/362 |
| dc.language.none.fl_str_mv | spa |
| dc.publisher.none.fl_str_mv | Calceta: Espam |
| dc.rights.none.fl_str_mv | http://creativecommons.org/licenses/by-nc-sa/3.0/ec/ info:eu-repo/semantics/openAccess |
| dc.source.none.fl_str_mv | reponame:Repositorio Escuela Superior Politécnica Agropecuaria de Manabí instname:Escuela Superior Politécnica Agropecuaria de Manabí instacron:ESPAM |
| dc.subject.none.fl_str_mv | Economía Análisis Popular Diagnóstico |
| dc.title.none.fl_str_mv | Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014 |
| dc.type.none.fl_str_mv | info:eu-repo/semantics/publishedVersion info:eu-repo/semantics/bachelorThesis |
| description | 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. |
| eu_rights_str_mv | openAccess |
| format | bachelorThesis |
| id | ESPAM_6206e179a94c40a0e3e2ff5a89350b74 |
| instacron_str | ESPAM |
| institution | ESPAM |
| instname_str | Escuela Superior Politécnica Agropecuaria de Manabí |
| language | spa |
| network_acronym_str | ESPAM |
| network_name_str | Repositorio Escuela Superior Politécnica Agropecuaria de Manabí |
| oai_identifier_str | oai:repositorio.espam.edu.ec:42000/362 |
| publishDate | 2015 |
| publisher.none.fl_str_mv | Calceta: Espam |
| reponame_str | Repositorio Escuela Superior Politécnica Agropecuaria de Manabí |
| repository.mail.fl_str_mv | . |
| repository.name.fl_str_mv | Repositorio Escuela Superior Politécnica Agropecuaria de Manabí - Escuela Superior Politécnica Agropecuaria de Manabí |
| repository_id_str | 0 |
| rights_invalid_str_mv | http://creativecommons.org/licenses/by-nc-sa/3.0/ec/ |
| spelling | Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014Vega Intriago, María JoséVera Arcentales, Jessica CarolinaEconomíaAnálisisPopularDiagnósticoThe 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.El desarrollo de esta investigación consistió en analizar el riesgo crediticio con enfoque E.P.S de la COAC Calceta Limitada durante el período 2013-2014 para una correcta administración del riesgo presente en cada tipo de crédito. En su primera etapa de estudio se tomó como referente las entrevistas que se realizaron al Gerente y a los Jefes departamentales para tener un perfil de los tipos de créditos que demanda el mercado financiero, durante esta etapa fue importante el diseño de diagramas de flujo para entender de forma más técnica los procedimientos y operaciones de crédito, además se analizaron las tasas activas que emite el Banco Central del Ecuador, se concluyó con el análisis de los indicadores financieros que reflejaron solvencia, liquidez, entre otros ratios. En la segunda fase se efectuó un estudio exhaustivo de las encuesta realizadas a los socios crediticios para diagnosticar el nivel de riesgo mediante el perfil del beneficiario, conocer la razón para efectuar el crédito, si cumplieron con el objetivo del mismo y cuál fue el motivo de sus atrasos mensuales, luego se aplicó la fórmula del riesgo crediticio considerando la proyección de datos numéricos, ya que la austeridad y el sigilo de la Institución no permite un campo abierto en todas las cuentas y parámetros necesarios, finalmente se realizó un diagnóstico general de la COAC bajo los principios de la EPS, cooperativismo y plan del buen vivir. En la última etapa se socializaron las nuevas políticas que fortalecerán los créditos con fundamentos en la ley respectiva.Calceta: EspamGarcía, José Luis2017-03-22T16:57:42Z2017-03-22T16:57:42Z2015-12info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/bachelorThesis115 p.application/pdfhttp://repositorio.espam.edu.ec/handle/42000/362spahttp://creativecommons.org/licenses/by-nc-sa/3.0/ec/info:eu-repo/semantics/openAccessreponame:Repositorio Escuela Superior Politécnica Agropecuaria de Manabíinstname:Escuela Superior Politécnica Agropecuaria de Manabíinstacron:ESPAM2018-11-19T05:33:11Zoai:repositorio.espam.edu.ec:42000/362Institucionalhttps://repositorio.espam.edu.ec/Universidad públicahttp://www.espam.edu.ec/https://repositorio.espam.edu.ec/oai.Ecuador...opendoar:02025-08-24T05:09:19.590743Repositorio Escuela Superior Politécnica Agropecuaria de Manabí - Escuela Superior Politécnica Agropecuaria de Manabítrue |
| spellingShingle | Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014 Vega Intriago, María José Economía Análisis Popular Diagnóstico |
| status_str | publishedVersion |
| title | Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014 |
| title_full | Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014 |
| title_fullStr | Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014 |
| title_full_unstemmed | Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014 |
| title_short | Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014 |
| title_sort | Análisis del riesgo crediticio con enfoque E.P.S. de la Cooperativa de Ahorro y Crédito Calceta Limitada. 2013-2014 |
| topic | Economía Análisis Popular Diagnóstico |
| url | http://repositorio.espam.edu.ec/handle/42000/362 |