Propuesta de un modelo de gestión de riesgo empresarial para la Cooperativa de Ahorro y Crédito Multiempresarial para los procesos de colocación, captación e inversión de recursos

Abstract

The purpose of the present investigation was to propose a Business Risk Management model for the Multicompany COAC, in the areas of Loan Placement, Recruitment and Investment, which aims to assure the senior management of the effectiveness of the activities; understanding that Enterprise Risk Management is a process performed by employees and senior management of an organization applied to the strategy of the entire company where the risk is treated within its acceptable risk, in order to provide reasonable security in the scope of the proposed objectives.

To fulfill the stated objective, a descriptive research was carried out with a quantitative and qualitative approach, whose method of analysis was to apply the COSO ERM questionnaire, which addressed questions that contained the analysis of the eight competent to identify eventualities and respond, contributing to the cooperative by issuing a control plan and proposal for identified risks corresponding to the 2017 period.

Of the three processes analyzed, poor risk management was found, lack of staff training on issues related to risk management and prolixity in the internal communication of the processes.