Análisis del destino y su incidencia en la recuperación de los créditos otorgados a los socios de la Cooperativa de Ahorro y Crédito "Servidores Municipales de Loja” Ltda., Año 2017

The Cooperativa de Ahorro y Crédito "Servidores Municipales de Loja" Ltda., has a large amount of resources placed in its partners, it is unknown if they were used for the purposes for which they were requested; The present research work identifies the use of credits, to know if there are deviations of these funds for what they were required, since there is no monitoring of the credits granted, so it is important to know the real benefit of those who request said credit. For this, the type of descriptive research was used, when analyzing, organizing and summarizing all the research obtained through a survey of information, in order to know the reality of the sociodemographic conditions of the benefits of credits in the study period; Subsequently, financial indicators of credits were applied which allowed to know as an index in the quality of life of the partners. The deductive method was also used to compare the registered destination of the financial institution with the information obtained from the survey and through the inductive method, the shortcomings that exist at the time of granting the loans were known and how this could affect their recovery. Finally, it is concluded that the Cooperativa de Ahorro y Crédito "Servidores Municipales de Loja" Ltda., Does not have a process that allows monitoring of the credits, therefore, based on the information collected, it was found that the credits that are delinquent They belong to the beneficiaries who have diverted the funds to another activity for which they were not hired. The financial entity has had a positive impact on each of the beneficiaries of the credits offered by the cooperative, by having the opportunity to increase their capital to be able to meet their various expenses presented; as well as an increase in their income allowing the improvement of life of the beneficiaries.

• Auteur principal: Carrión Sarmiento, Maria Isabel (author)
• Format: bachelorThesis
• Langue: spa
• Publié: 2021
• Sujets: BANCA Y FINANZAS; COOPERATIVA DE AHORROS
• Accès en ligne: https://dspace.unl.edu.ec/jspui/handle/123456789/23771