Cartera de crédito vencida en la Cooperativa de Ahorro y Crédito San Antonio Ltda. del Cantón Babahoyo Provincia de Los Ríos, durante el periodo 2021-2022.
The San Antonio Savings and Credit Cooperative of the city of Babahoyo is a non-profit financial entity, created to provide services to its members and/or clients. Like banks, this cooperative accepts deposits, grants loans and offers a wide variety of financial services such as: receiving deposits,...
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| 格式: | bachelorThesis |
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2024
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| 在线阅读: | http://dspace.utb.edu.ec/handle/49000/15746 |
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添加标签 | 总结: | The San Antonio Savings and Credit Cooperative of the city of Babahoyo is a non-profit financial entity, created to provide services to its members and/or clients. Like banks, this cooperative accepts deposits, grants loans and offers a wide variety of financial services such as: receiving deposits, carrying out transactions, providing financial advice, among others. The main problem of the San Antonio Savings and Credit Cooperative of the Babahoyo canton arises when creditors and/or credit advisors offer and approve loans to their clients without a more in-depth investigation into the debt capacity that said member may have. This is why the level of delinquency tends to increase depending on the type of risk assessment given. Its objective is to analyze the portfolio of overdue loans according to the level of delinquency of the members that the Cooperative maintains. On the other hand, it is pertinent to establish an analysis and constant control in the administration of the credit portfolio in financial institutions, because it will allow the existence of possible errors to be detected and corrected, both in the valuation processes and in the processes managed by the collections department. |
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