Factores que influyen en la morosidad de la matriz COAC Fernando Daquilema Ltda., de la ciudad de Riobamba, período 2023.

The Fernando Daquilema savings and credit cooperative in the city of Riobamba needs to know its delinquency rates to develop its operations normally; therefore, the present research work aims to identify the factors that influence the delinquency of the company. matrix COAC Fernando Daquilema Ltda., from the city of Riobamba, period 2023. The methodology used was field and documentary research, a non-experimental design because no variable was manipulated. The methods used were the survey and the interview. The survey was applied to 20 officials and 50 debtor partners of the COAC, and the manager was interviewed. Through the applied methodology, it was possible to identify that the factors that influence the delinquency of the Cooperative's matrix are factors of external events such as the economic recession that results in business problems and lack of work. This is because it was verified that the process of analysis and granting of credits at the COAC Fernando Daquilema Ltda. in Riobamba during 2023 reflects a structured and diligent management that prioritises transparency and responsibility. Although it is still detected that dependence on automated systems could generate overconfidence in the technology, leaving aside critical human supervision to identify risk patterns that machines could overlook. Another risk is the diversity of credits offered can lead to a dispersion in the collection approach, complicating the effective management of the credit portfolio.

• Hlavní autor: Aseicha Tacuri, Paulina Elizabeth (author)
• Médium: bachelorThesis
• Jazyk: spa
• Vydáno: 2025
• Témata: Factores de Morosidad; Riesgos; Indicador; Cooperativa
• On-line přístup: http://dspace.unach.edu.ec/handle/51000/14878