Browsing by Author "Coello Paute, Diego Armando"
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Item Propuesta de políticas de recuperación de créditos de la Cooperativa de Ahorro y Crédito "Jardín Azuayo" Cía. Ltda. en la oficina Ricaurte a través de la aplicación de análisis financiero a la cartera de crédito durante el período de enero a diciembre de 2012(2013) Coello Paute, Diego Armando; Gaona Troya, Juan Francisco; Rivera Ochoa, Blanca CatalinaThis research workwas carried outin order toanalyzethe loan portfolioofthe"Savings and Credit CooperativeAzuayo" Ricaurtethe ParishOfficein thecorresponding period ofJanuary-December 2012by applyingtechniques andprocedures of theanalysisfinancesuch asvertical analysis, horizontal analysisand calculation offinancialratiosto assess the qualityof the portfolioin 2012, and thenproposeeffectiverecoverymechanisms. We consideredthe provisions of theSavings and CreditRegulationandthe Internal Rules ofthe Financial Institution, in order toascertain whethertheyare being metwhen grantingloansto members,andby analyzingcheck the current statusoftheportfolioand thenpropose thenecessary and appropriatepoliciesfor recovery. The paperdescribes the process ofplacing theloansso that theycan be recoveredin a proper wayand thus fulfillthe objectivesof the Cooperative.