Fortalecimiento del sistema crediticio de la Cooperativa de ahorro y crédito Sumak Kawsay Agencia La Maná

The present project was carried out in the Sumak Kawsay Cooperative of the La Maná Agency, located in the streets Gonzalo Albarracín and San Pablo, with the objective of strengthening the credit system of said cooperative, for which descriptive and Exploratory that allowed to know the problem that is going through the institution that is the little growth of its loan portfolio, caused by lack of liquidity, scarce publicity and promotion, and insufficient personnel in that area, also highlighting the lack of training that receives His staff, also made use of the bibliographical research of different authors and research papers that contributed to the present project. The application of techniques such as the surveys applied to the members of the cooperative as well as to their employees, the interview conducted to the agency head, the SWOT analysis and analysis of the financial statements allowed deducting the following; The growth rate of the portfolio in the period 2014-2015 was 7.06%, which is a minimum percentage, while for the period 2015-2016 rose to 22.44%, although it is notorious that the increase is necessary to indicate that the cooperative does not Reached the proposed goal that was to grow 32.10% by 2016. Analyzing the liquidity index was obtained that from the year 2014 to the year 2015 dropped from 15.29% to 14.85%, negative aspect for the cooperative, while comparing the years 2015 and 2016 increased to 15.51%, insignificant value considering that the Superintendence Of Banks suggests as good financial practice not having less than 20% of liquidity according to the economic situation that the country is going through. In view of the above, an improvement plan was carried out with the objective of increasing the index and the placement of credits, promoting and advertising to attract new members, and hiring and training staff in this area. In order to fulfill these objectives, different activities must be carried out, among them: creation of new credit products and services, diversification of credit lines, shortening the concession period, advertising using Canton media to spread the benefits of the cooperative , Offer additional services, hire new staff in the credit area and train it properly.

• Autor principal: Zambrano Cedeño, Angel Roberto (author)
• Altres autors: Zhunio Quiroz, Victoria Andrea (author)
• Format: bachelorThesis
• Publicat: 2017
• Matèries: INGENIERÍA COMERCIA; SISTEMA CREDITICIO
• Accés en línia: http://repositorio.utc.edu.ec/handle/27000/4124