Análisis y propuesta de reforma a la metodología crediticia en las Cooperativas de Ahorro y Crédito del segmento cuarto del sector financiero popular y solidario: (caso Cooperativa de Ahorro y Crédito Güel Ltda.)

Abstract

This paper “Analysis and Proposal to reform the credit methodology in Savings and Credit Cooperatives fourth segment Financial Sector Popular and Solidarity event: Credit union Güel Ltda.”. Will serve to achieve the effectiveness and operational efficiency in its credit process credit union Güel Ltda., For it we did a thorough analysis of the above Cooperative and financial situationof three consecutive terms it is performed by applying financial ratios and solvency, to know the reality and identify critical points. The laws and regulations governing the Financial Sector Popular and Solidarity shown in the first instance, then the concepts of keywords developed for use in this study. To conduct the research of the credit process, it is important to know in detail their behavior and nature in a credit union, to thereby make the respective analysis of these in the credit union Güel Ltda., And meet their weaknesses. Interpreted the results derived from the analysis, considering the shortcomings of the process used by the cooperative, we proceed to make a proposal to reform the credit methodology, it will contribute to the financial institution to solve their problems. Finally we proceed to give out some recommendations and conclusions on the development of this work.