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Cartera de crédito vencida en la Cooperativa de Ahorro y Crédito San Antonio Ltda. del Cantón Babahoyo Provincia de Los Ríos, durante el periodo 2021-2022.
| dc.contributor.advisor | Merchán Jácome, Verónica Alexandra | |
| dc.contributor.author | Llugcha Cando, Jonathan Mauricio | |
| dc.date.accessioned | 2024-03-21T14:33:53Z | |
| dc.date.available | 2024-03-21T14:33:53Z | |
| dc.date.issued | 2024 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/15746 | |
| dc.description | The San Antonio Savings and Credit Cooperative of the city of Babahoyo is a non-profit financial entity, created to provide services to its members and/or clients. Like banks, this cooperative accepts deposits, grants loans and offers a wide variety of financial services such as: receiving deposits, carrying out transactions, providing financial advice, among others. The main problem of the San Antonio Savings and Credit Cooperative of the Babahoyo canton arises when creditors and/or credit advisors offer and approve loans to their clients without a more in-depth investigation into the debt capacity that said member may have. This is why the level of delinquency tends to increase depending on the type of risk assessment given. Its objective is to analyze the portfolio of overdue loans according to the level of delinquency of the members that the Cooperative maintains. On the other hand, it is pertinent to establish an analysis and constant control in the administration of the credit portfolio in financial institutions, because it will allow the existence of possible errors to be detected and corrected, both in the valuation processes and in the processes managed by the collections department. | es_ES |
| dc.description | The San Antonio Savings and Credit Cooperative of the city of Babahoyo is a non-profit financial entity, created to provide services to its members and/or clients. Like banks, this cooperative accepts deposits, grants loans and offers a wide variety of financial services such as: receiving deposits, carrying out transactions, providing financial advice, among others. The main problem of the San Antonio Savings and Credit Cooperative of the Babahoyo canton arises when creditors and/or credit advisors offer and approve loans to their clients without a more in-depth investigation into the debt capacity that said member may have. This is why the level of delinquency tends to increase depending on the type of risk assessment given. Its objective is to analyze the portfolio of overdue loans according to the level of delinquency of the members that the Cooperative maintains. On the other hand, it is pertinent to establish an analysis and constant control in the administration of the credit portfolio in financial institutions, because it will allow the existence of possible errors to be detected and corrected, both in the valuation processes and in the processes managed by the collections department. | es_ES |
| dc.description.abstract | La Cooperativa de Ahorro y Crédito San Antonio de la ciudad de Babahoyo es una entidad financiera sin fines de lucro, creada para prestar servicios a sus socios y/o clientes. Al igual que los Bancos, esta cooperativa acepta depósitos, otorga créditos y ofrece una amplia variedad de servicios financieros como: recibir depósitos, realizar transacciones, brindar asesoramiento financiero, entre otros más. El problema principal de la Cooperativa de Ahorro y Crédito San Antonio del cantón Babahoyo, surge cuando los acreedores y/o asesores de créditos ofrecen y aprueban préstamos a sus clientes sin una investigación más a fondo sobre la capacidad de endeudamiento que pueda tener dicho socio, es por ello que el nivel de morosidad tiende a incrementarse dependiendo del tipo de evaluación de riesgos que se le dé. Su objetivo es analizar la cartera de créditos vencidas según el nivel de morosidad de los socios que mantiene la Cooperativa. Por otra parte, es pertinente establecer un análisis y un control constante en la administración de la cartera de créditos en las instituciones financieras, debido a que, permitirán detectar y corregir la existencia de posibles errores, tanto en los procesos de valoración, como en los procesos que gestiona el departamento de cobranzas. | es_ES |
| dc.format.extent | 40 p. | es_ES |
| dc.language.iso | es | es_ES |
| dc.publisher | Babahoyo: UTB-FAFI. 2024 | 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 | Cartera de crédito vencida | es_ES |
| dc.subject | Índice de morosidad | es_ES |
| dc.subject | Cooperativa de Ahorro y Crédito | es_ES |
| dc.subject | Cobranza | es_ES |
| dc.subject | Socios | es_ES |
| dc.subject | Créditos | es_ES |
| dc.title | Cartera de crédito vencida en la Cooperativa de Ahorro y Crédito San Antonio Ltda. del Cantón Babahoyo Provincia de Los Ríos, durante el periodo 2021-2022. | es_ES |
| dc.type | bachelorThesis | es_ES |
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