Análisis y Evaluación a la cartera de Crédito de la Cooperativa de Ahorro y Crédito "Loja Internacional Ltda" del cantón Loja, períodos 2012-2013
This thesis has the general objective to perform an ANALYSIS AND EVALUATION PORTFOLIO CREDIT credit union LOJA INTERNATIONAL LTDA. PERIOD 2012-2013 "and propose Recovery Strategies Applying methods and analysis procedures to determine credit account portfolio delinquency rates in the years of s...
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| Формат: | bachelorThesis |
| Мова: | spa |
| Опубліковано: |
2016
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| Предмети: | |
| Онлайн доступ: | http://dspace.unl.edu.ec/jspui/handle/123456789/12420 |
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Додати тег | Резюме: | This thesis has the general objective to perform an ANALYSIS AND EVALUATION PORTFOLIO CREDIT credit union LOJA INTERNATIONAL LTDA. PERIOD 2012-2013 "and propose Recovery Strategies Applying methods and analysis procedures to determine credit account portfolio delinquency rates in the years of study. Another specific objective is to devise strategies that make viable the recovery of the loan portfolio and the ultimate objective to make a proposal for an improvement plan to the loan portfolio To perform the analysis and evaluation of the loan portfolio, an analytical, descriptive and explanatory study of all portfolios in the portfolio of Credit credit union and are represented graphically for better understanding was made, and a horizontal category portfolio analysis which identified delinquency levels portfolios and placements of them, and then apply delinquency indicators and thus know what the default available to it. The procedures were performed both statistical and mathematical allowed the development of delinquency indicators were applied to the Loan Portfolio, with the following results: The delinquency rate in the portfolio of consumer credit is 2% and microenterprise portfolio is 5% demonstrating the highest level of delinquencies is in the portfolio of micro, because there is no timely payment of loans by debtors, therefore it is advisable that there is greater 6 collection management and verification of the financial solvency of the partner to receive the credit. Finally according to the indicators of liquidity and asset coverage shows that the cooperative is $ 1.13 for 2012 and 2013 is that they can cover their short-term obligations, while both in terms of asset coverage has been a decline 9% in 2013 versus 2012, because there has not been timely recovery of overdue loans affecting the financial solvency of the cooperative. |
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