Recuperación de Cartera en la Cooperativa de Ahorro y Crédito Juan Pio de Mora Ltda. Sucursal Babahoyo

The case study arises due to the considerable level of delinquency presented by the members of the Juan Pio De Mora Ltda. Savings and Credit Cooperative, Babahoyo branch, making it difficult to recover the portfolio effectively. The institution is located in the it offers its partners services in the financial area destined to satisfy needs in commerce, agriculture, production, education, housing, pharmacy and investment, it also offers credits for consumption in microenterprise and housing; and microcredits. There are several requirements that a member of the cooperative must meet in order to access a loan of any kind, among these is the ability to pay and they have the greatest problems for recovering the cooperative's portfolio, Some of the partners at the time of presenting the documentation required by the credit and collection officers who are in charge of analyzing the application, find the way to appear fit to make the payment of dividends in time and amount agreed, but when the date does not You can fulfill the responsibility since your income does not cover all the expenses that you present. According to the surveys and interviews applied to the credit and collection officers and the chief operating officer, respectively, it was obtained that the cooperative offers its new members credits of $ 1000 (One thousand US dollars), once this credit was canceled, the cooperative would It grants a new credit for $ 2000 (Two thousand US dollars) It is from this second credit where the members present greater delays in the payment of dues, some justify their arrears for various reasons but, others the only reason why they do not cancel his credit is for lack of will. Currently, the Juan Pio de Mora Ltda. Savings and Credit Cooperative, Babahoyo branch presents a considerable level of non-performing loans, which has increased with the passing of the months, this is due to a deficiency in the administrative part, in terms of the management of collections that is carried out and also due to the lack of responsibility and commitment of the members with the institution that offered their help when granting them a loan, these reasons make the Cooperative present a low profitability index that prevents it continue to operate normally

• المؤلف الرئيسي: Chonillo Amaiquema, Steeven Alonso (author)
• التنسيق: bachelorThesis
• منشور في: 2020
• الموضوعات: Recuperación de cartera; Morosidad; Capacidad de pago; Rentabilidad.
• الوصول للمادة أونلاين: http://dspace.utb.edu.ec/handle/49000/7531