Análisis y propuesta para mejorar los factores que influyen en el deterioro de la cartera vencida de los microcréditos colocados en el periodo 2013 – 2015 en la oficina matriz de la Cooperativa de Ahorro y Crédito la Merced

Abstract

In recent years the nonperforming loans ratio of the Cooperative has maintained a growing trend due to slowdown of the Ecuadorian economy and internal factors that prevent an optimal credit risk management. The aim of this thesis is to analyze the behavior of factors that influence in the deterioration of microcredit expired portfolios placed in the head office in the period 2013 - 2015. This work is a research and applicative study because it aims to determine quantitative and qualitative variables through the analysis of loan portfolio behavior and granted loans sampling. Among the main results that this research allowed to reach, it can be said that the deterioration of loan portfolios cannot be attributed to a specific cause because the process of credit is comprehensive and involves several aspects, going from the analysis, approval and monitoring of credit to collection management; and it even involves external factors such as the reduction of the liquidity due to economic slowdown. The information provided by the analyzed variables let to determine the customer profile to consider in the credit granting.