Plan de riesgo crediticio en la cooperativa de ahorro y crédito Ambato ltda., ubicada en la ciudad de Latacunga provincia de Cotopaxi en el periodo 1 de enero al 31 de diciembre 2014
The following research is primarily on the development plan of the Ambato Ltd. credit union. The objective is to improve the security policies of the financial system in order to improve the security of financial system policies thought indicators applicable to this research it allows to minimize th...
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| Format: | bachelorThesis |
| Language: | spa |
| Published: |
2016
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| Subjects: | |
| Online Access: | http://repositorio.utc.edu.ec/handle/27000/3716 |
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Add Tag | Summary: | The following research is primarily on the development plan of the Ambato Ltd. credit union. The objective is to improve the security policies of the financial system in order to improve the security of financial system policies thought indicators applicable to this research it allows to minimize the credit default of the partners’ portfolio. Also, new models, methodologies and systems to support the placement and credits monitoring were implemented in the cooperative. According to financial analysis and assessment of external and internal factors, a tool known as Five “C”, as to possible alternative for the prior assessment of the most relevant factors before granting a loan is presented, taking into account the age of the partner Cooperative, age, ability to pay, such data were identified through surveys and interviews with members and directors of the institution, taking into account that 100% of the population surveyed have made any kind of credit based on the currently established policies. As more than half of the partners 67% have defaulted on the payment date for different reasons. |
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