Facultad de Ciencias Económicas y Administrativas

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Browsing Facultad de Ciencias Económicas y Administrativas by Author "Abad Novillo, Jaime Patricio"

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    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
    (2016-03-07) Guallpa Guamán, Andrea Elizabeth; Abad Novillo, Jaime Patricio
    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.
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    Auditoría al proceso de otorgamiento de crédito de consumo y recuperación de cartera de la Cooperativa de Ahorro y Crédito Jardín Azuayo oficina Cuenca centro
    (2017) Solis Godoy, Gabriela Fernanda; Suing Vélez, Nancy Paulina; Abad Novillo, Jaime Patricio
    The purpose of this research is to carry out an audit of the credit granting process at COAC Jardín Azuayo, central office, located in the city of Cuenca, in the year 2015. A risk assessment will be carried out to locate conflicting situations that could affect to the institution. It was initiated by the search of the information, as well as of data, balances and numbers that can contribute to the work. An internal control evaluation of the process of granting of consumer credits was applied, with which a report based on evidences was elaborated. It was found that the biggest errors are found in the Internal Control System of the Central Office of COAC Jardín Azuayo, due to the lack of risk assessment and the corresponding consequences for the achievement of objectives.
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    Evaluación de la eficiencia y sostenibilidad financiera de la Cooperativa de Ahorro y Crédito Jardín Azuayo comparado con las Cooperativas de Ahorro y Crédito pertenecientes al segmento 1 en el periodo 2010- 2016
    (2018-03-07) Calle Cabrera, Daysi Paola; Abad Novillo, Jaime Patricio
    The present project carried out a financial evaluation to determine the levels of efficiency and financial sustainability of the Credit Union Jardín Azuayo in comparison with the levels of the other Credit Unions belonging to segment 1, during the period between 2010 – 2016. For which, initially, a theoretical investigation was carried out about the origin of the cooperative financial system worldwide, its adaptation to the country's financial system and its evolution, control and supervision during the 7 years of study; and through the CAMEL methodology, composed of a series of 22 indicators, the results of the 26 institutions belonging to Segment 1 were obtained, comparing them in five different categories, allowing to know the status of these through the qualification that each got. Once the aforementioned was done, it could be observed that the Credit Union Jardín Azuayo has a high level of efficiency and financial sustainability, thanks to its internal management in relation to its sector, as well as the other Credit Unions of the segment 1 have high and regular levels of efficiency and financial sustainability. Which allows me to conclude that the financial institutions belonging to segment 1 are cooperatives that have had and will continue to have constant improvement and growth.
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    El microcrédito en la ciudad de Cuenca y su impacto en el desarrollo económico y financiero de la mujer en los mercados de la ciudad
    (2010) Abad Novillo, Jaime Patricio; Abad Vázquez, Oswaldo Alfonso; Peña Quizhpi, Carlos Rafael