Implementacion de indicadores financieros, indicadores de riesgo, políticas y procedimientos para la concesión de creditos, en la Cooperativa de Ahorro y Crédito Artesanal del Azuay Ltda. (Cooperart)

Abstract

Constant changes in the economies of Latin American countries that have generated economic classes are more diverse, less wealthy to prevail. This segregation has caused providers of goods and services including Credit Unions focus their activities towards these economic groups, called Microentrepreneurs or Small Businesses who have become constant plaintiffs Financial Products.

This surge in demand and the lack of preparation of the bidders, motivate the development of this research work, thanks to the opening of the Directors of the Savings and Credit Cooperative Ltd. Cooperart, I was allowed to run.

The work aims at defining financial and organizational tools, enabling the institution to develop its activities in an appropriate environment, and that their products can be analyzed effectively granted and ordered to minimize non-payment risks. Additionally establishing the personal and professional profile of officials Area Credit and Portfolio and Policies and Procedures governing the same.

These tools are designed to provide control and organizational bases for Credit Management and Portfolio area, central to help fulfill the economic objectives of the Cooperative.

Additional support for obtaining bibliographic information theoretical develop interviews, field visits, process flows, which indicate the logical sequence of activities to be developed, out for the final product is highly Professional and Technical.