Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021.
The following research was developed based on the general objective of analyzing the credit placements made by the COAC'S of segment one of the city of Loja for periods 2019-2021, for which it was necessary to conduct a study of the credit portfolio of the savings and credit cooperatives of seg...
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| Format: | bachelorThesis |
| Idioma: | spa |
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2024
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| Accés en línia: | https://dspace.unl.edu.ec/jspui/handle/123456789/29096 |
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Afegir etiqueta | _version_ | 1857832988518121472 |
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| author | Basurto Leon, Bryan Stiven |
| author_facet | Basurto Leon, Bryan Stiven |
| author_role | author |
| collection | Repositorio Universidad Nacional de Loja |
| dc.contributor.none.fl_str_mv | Cueva Jiménez, Neusa Cecilia |
| dc.creator.none.fl_str_mv | Basurto Leon, Bryan Stiven |
| dc.date.none.fl_str_mv | 2024-02-15T13:48:56Z 2024-02-15T13:48:56Z 2024-02-15 |
| dc.format.none.fl_str_mv | 148 p. application/pdf |
| dc.identifier.none.fl_str_mv | https://dspace.unl.edu.ec/jspui/handle/123456789/29096 |
| dc.language.none.fl_str_mv | spa |
| dc.publisher.none.fl_str_mv | Universidad Nacional de Loja |
| dc.rights.none.fl_str_mv | info:eu-repo/semantics/openAccess |
| dc.source.none.fl_str_mv | reponame:Repositorio Universidad Nacional de Loja instname:Universidad Nacional de Loja instacron:UNL |
| dc.subject.none.fl_str_mv | BANCA Y FINANZAS CREDITO SISTEMA FINANCIERO LOJA |
| dc.title.none.fl_str_mv | Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021. |
| dc.type.none.fl_str_mv | info:eu-repo/semantics/publishedVersion info:eu-repo/semantics/bachelorThesis |
| description | The following research was developed based on the general objective of analyzing the credit placements made by the COAC'S of segment one of the city of Loja for periods 2019-2021, for which it was necessary to conduct a study of the credit portfolio of the savings and credit cooperatives of segment 1 such as Padre Julián Lorente and Vicentina Manuel Esteban Godoy Ortega, It was found that the two institutions have similar products and services, and management strategies were designed for the loan portfolio based on the foundations found, using indicators from the PERLAS monitoring system to identify protection, effective financial structure, yield rates and costs, The indicators of the PERLAS monitoring system were used to identify protection, effective financial structure, yield rates and costs, asset quality and signs of growth, finding that the savings and credit cooperatives analyzed have a placement percentage below 70% of the loan portfolio, and that the CoopMego cooperative has a delinquency rate of 7%; the institutions have problems in the growth of their loans because they do not meet the established goal, concluding that it is necessary to establish strategies for the recovery of the loan portfolio in order to obtain acceptable recovery margins that comply with the established goal and thus reduce delinquency levels, applying constant training processes for credit and collection personnel and thus, through control and efficiency in the placement and recovery of its loans, be reflected in a healthy and productive portfolio. |
| eu_rights_str_mv | openAccess |
| format | bachelorThesis |
| id | UNL_e43835d25ad61ca9b9d32ffca87a9c8d |
| instacron_str | UNL |
| institution | UNL |
| instname_str | Universidad Nacional de Loja |
| language | spa |
| network_acronym_str | UNL |
| network_name_str | Repositorio Universidad Nacional de Loja |
| oai_identifier_str | oai:dspace.unl.edu.ec:123456789/29096 |
| publishDate | 2024 |
| publisher.none.fl_str_mv | Universidad Nacional de Loja |
| reponame_str | Repositorio Universidad Nacional de Loja |
| repository.mail.fl_str_mv | * |
| repository.name.fl_str_mv | Repositorio Universidad Nacional de Loja - Universidad Nacional de Loja |
| repository_id_str | 0 |
| spelling | Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021.Basurto Leon, Bryan StivenBANCA Y FINANZASCREDITOSISTEMA FINANCIEROLOJAThe following research was developed based on the general objective of analyzing the credit placements made by the COAC'S of segment one of the city of Loja for periods 2019-2021, for which it was necessary to conduct a study of the credit portfolio of the savings and credit cooperatives of segment 1 such as Padre Julián Lorente and Vicentina Manuel Esteban Godoy Ortega, It was found that the two institutions have similar products and services, and management strategies were designed for the loan portfolio based on the foundations found, using indicators from the PERLAS monitoring system to identify protection, effective financial structure, yield rates and costs, The indicators of the PERLAS monitoring system were used to identify protection, effective financial structure, yield rates and costs, asset quality and signs of growth, finding that the savings and credit cooperatives analyzed have a placement percentage below 70% of the loan portfolio, and that the CoopMego cooperative has a delinquency rate of 7%; the institutions have problems in the growth of their loans because they do not meet the established goal, concluding that it is necessary to establish strategies for the recovery of the loan portfolio in order to obtain acceptable recovery margins that comply with the established goal and thus reduce delinquency levels, applying constant training processes for credit and collection personnel and thus, through control and efficiency in the placement and recovery of its loans, be reflected in a healthy and productive portfolio.El trabajo de investigación se desarrolló en base al objetivo general como es analizar las colocaciones de créditos efectuadas por las COAC ́S del segmento uno de la ciudad de Loja periodos 2019-2021, para lo cual fue necesario realizar un estudio a la cartera de crédito de las cooperativas de ahorro y crédito del segmento 1 como son Padre Julián Lorente y Vicentina Manuel Esteban Godoy Ortega, donde se conoció que las dos instituciones poseen productos y servicios semejantes así mismo se diseñó estrategias de gestión en la cartera de crédito con fundamentos encontrados, para ello se utilizó indicadores del sistema de monitoreo PERLAS a fin de identificar la protección, estructura financiera eficaz, tasas de rendimiento y costos, calidad de activos y señales de crecimiento encontrándose que las cooperativas de ahorro y crédito analizadas presentan un porcentaje de colocación por debajo del 70% en la cartera de crédito, así mismo que la cooperativa CoopMego posee una morosidad del 7%, las instituciones presentan problemas en el crecimiento de sus créditos ya que no cumplen con la meta establecida, concluyendo que es necesario establecer estrategias para la recuperación de cartera de crédito con la finalidad de obtener márgenes de recuperación aceptables que cumplan con la meta establecida y así disminuir sus niveles de morosidad, aplicando procesos de capacitación constante para el personal de crédito y de cobranzas y así mediante el control y eficiencia en la colocación y recuperación de sus crédito se vean reflejados en una cartera sana y productiva.Universidad Nacional de LojaCueva Jiménez, Neusa Cecilia2024-02-15T13:48:56Z2024-02-15T13:48:56Z2024-02-15info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/bachelorThesis148 p.application/pdfhttps://dspace.unl.edu.ec/jspui/handle/123456789/29096spainfo:eu-repo/semantics/openAccessreponame:Repositorio Universidad Nacional de Lojainstname:Universidad Nacional de Lojainstacron:UNL2025-05-02T14:22:32Zoai:dspace.unl.edu.ec:123456789/29096Institucionalhttps://dspace.unl.edu.ec/Universidad públicahttps://unl.edu.ec/https://dspace.unl.edu.ec/oaiEcuador***opendoar:02025-05-02T14:22:32falseInstitucionalhttps://dspace.unl.edu.ec/Universidad públicahttps://unl.edu.ec/https://dspace.unl.edu.ec/oai*Ecuador***opendoar:02025-05-02T14:22:32Repositorio Universidad Nacional de Loja - Universidad Nacional de Lojafalse |
| spellingShingle | Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021. Basurto Leon, Bryan Stiven BANCA Y FINANZAS CREDITO SISTEMA FINANCIERO LOJA |
| status_str | publishedVersion |
| title | Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021. |
| title_full | Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021. |
| title_fullStr | Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021. |
| title_full_unstemmed | Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021. |
| title_short | Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021. |
| title_sort | Las colocaciones de crédito efectuadas por las cooperativas de ahorro y crédito del segmento 1 de la ciudad de Loja periodos 2019-2021. |
| topic | BANCA Y FINANZAS CREDITO SISTEMA FINANCIERO LOJA |
| url | https://dspace.unl.edu.ec/jspui/handle/123456789/29096 |