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Análisis financiero referente a procesos de captación en la Cooperativa de Ahorro y Crédito Universidad Técnica de Babahoyo
| dc.contributor.advisor | Laje Montoya, Jose Stalin | |
| dc.contributor.author | Romero Mendoza, Carlos Alberto | |
| dc.date.accessioned | 2021-11-25T14:42:36Z | |
| dc.date.available | 2021-11-25T14:42:36Z | |
| dc.date.issued | 2021 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/10721 | |
| dc.description | The following case study is executed in the Savings and Credit Cooperative "Universidad Técnica de Babahoyo" which is located in the Babahoyo canton, this is a private financial institution whose main purpose is to collect monetary resources and grant loans to its customers. The objective of this case study is to perform the financial analysis by providing attention and referencing the processes of raising funds. The methodology proposed for the development of this case study will be through the deductive method, which will allow the development of this work in an objective way, through observation and subsequent establishment of resolutions, in relation to this, the sub-line of research of the career on which the development of this case study is based is financial, tax and social commitment management. Once the analysis was performed and the financial intermediation indicator was applied, it was observed that the high assignment of loans by the cooperative was not entirely beneficial, even though it represented an increase in the interest earned item, it also meant an increase in the allowance for doubtful accounts, which shows that the processes and collection management of these loans were not efficiently managed. | es_ES |
| dc.description | The following case study is executed in the Savings and Credit Cooperative "Universidad Técnica de Babahoyo" which is located in the Babahoyo canton, this is a private financial institution whose main purpose is to collect monetary resources and grant loans to its customers. The objective of this case study is to perform the financial analysis by providing attention and referencing the processes of raising funds. The methodology proposed for the development of this case study will be through the deductive method, which will allow the development of this work in an objective way, through observation and subsequent establishment of resolutions, in relation to this, the sub-line of research of the career on which the development of this case study is based is financial, tax and social commitment management. Once the analysis was performed and the financial intermediation indicator was applied, it was observed that the high assignment of loans by the cooperative was not entirely beneficial, even though it represented an increase in the interest earned item, it also meant an increase in the allowance for doubtful accounts, which shows that the processes and collection management of these loans were not efficiently managed. | es_ES |
| dc.description.abstract | El siguiente estudio caso se ejecuta en la Cooperativa de Ahorro y Crédito “Universidad Técnica de Babahoyo” la cual tiene su ubicación en el cantón Babahoyo, esta es una institución financiera privada cuyo principal fin es el de recaudar recursos monetarios y otorgar créditos a sus clientes. El objetivo del presente estudio de caso es realizar el análisis financiero brindando atención, y referenciando los procesos de captación de los recursos. La metodología planteada para el desarrollo de este estudio de caso será a través del método deductivo, el cual permitirá un desenvolvimiento de este trabajo de una forma objetiva, mediante la observación y posterior establecimiento de resoluciones, en relación a esto la sub-línea de investigación de la Carrera sobre la cual se fundamenta la elaboración de este estudio de caso es Gestión financiera, tributaria y de compromiso social. Una vez ejecutado el análisis y aplicado el indicador de intermediación financiera se observa que la elevada cesión de los créditos por parte de la cooperativa no fue del todo beneficiosa, aunque haya representado un aumento en el rubro de intereses ganados también significó un aumento en el rubro de provisiones para cuentas incobrables, lo que evidencia que no se gestionaron eficientemente los procesos y la gestión de cobranzas de dichos créditos. | es_ES |
| dc.format.extent | 36 p. | es_ES |
| dc.language.iso | es | es_ES |
| dc.publisher | BABAHOYO: UTB, 2021 | es_ES |
| dc.rights | Atribución-NoComercial-SinDerivadas 3.0 Ecuador | * |
| dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/3.0/ec/ | * |
| dc.subject | Análisis económico | es_ES |
| dc.subject | Crédito | es_ES |
| dc.subject | Ahorro | es_ES |
| dc.subject | Gestión | es_ES |
| dc.title | Análisis financiero referente a procesos de captación en la Cooperativa de Ahorro y Crédito Universidad Técnica de Babahoyo | es_ES |
| dc.type | bachelorThesis | es_ES |
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