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Análisis de la gestión de la cuenta cartera de crédito en la Cooperativa de Ahorro y Crédito San Antonio Ltda. Los Ríos durante el periodo marzo - mayo del 2020
| dc.contributor.advisor | Fernandez Bayas, Teofilo | |
| dc.contributor.author | Cerezo Rendon, Erik Arturo | |
| dc.date.accessioned | 2020-09-30T20:08:49Z | |
| dc.date.available | 2020-09-30T20:08:49Z | |
| dc.date.issued | 2020 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/8461 | |
| dc.description | The case study entitled "Management Analysis of the Credit Portfolio account at the San Antonio LTDA Savings and Credit Cooperative during the period March - May, 2020", is carried out in order to verify that the information on the operations credit (inductive - descriptive method) during the months of study has been handled in an ideal way, since this institution could not anticipate this fortuitous situation. This investigative work starts from the premise of an unimaginable scenario, which is why it should be noted that the financial situation was affected, which leads to foreseeable negative results at the end of the year, the credit policies they handle are a bit ineffective because the collections of the Loans are generally overdue to the agreed date and this in the long term means more provisions and fewer resources for the cooperative. The resolutions and reforms to which the financial institution accepted, were a relief to the equity accounts since it was possible to somehow stop this situation for the moment and as for the credits granted before the pandemic, they were managed according to recently approved internal policies with refinancing and rescheduling of pending installments. | es_ES |
| dc.description | The case study entitled "Management Analysis of the Credit Portfolio account at the San Antonio LTDA Savings and Credit Cooperative during the period March - May, 2020", is carried out in order to verify that the information on the operations credit (inductive - descriptive method) during the months of study has been handled in an ideal way, since this institution could not anticipate this fortuitous situation. This investigative work starts from the premise of an unimaginable scenario, which is why it should be noted that the financial situation was affected, which leads to foreseeable negative results at the end of the year, the credit policies they handle are a bit ineffective because the collections of the Loans are generally overdue to the agreed date and this in the long term means more provisions and fewer resources for the cooperative. The resolutions and reforms to which the financial institution accepted, were a relief to the equity accounts since it was possible to somehow stop this situation for the moment and as for the credits granted before the pandemic, they were managed according to recently approved internal policies with refinancing and rescheduling of pending installments. | es_ES |
| dc.description.abstract | El estudio de caso titulado “Análisis de Gestión de la cuenta Cartera de Crédito en la Cooperativa de Ahorro y Crédito San Antonio LTDA durante el periodo Marzo – Mayo, 2020”., se lo realiza con el objeto de verificar que la información de las operaciones de crédito (método inductivo - descriptivo) durante los meses de estudio haya sido manejada de manera idónea, por cuanto esta institución no pudo anticipar esta situación fortuita. Este trabajo investigativo parte de la premisa de un escenario inimaginable, por eso cabe resaltar que la situación financiera se vio afectada lo que conlleva a resultados negativos previsibles a final de año, las políticas de crédito que manejan son un poco ineficaces porque los cobros de los prestamos son por lo general atrasados a la fecha pactada y esto a largo plazo significa más provisiones y menos recursos para la cooperativa. Las resoluciones y reformas a las que se acogió la institución financiera, fueron un alivio a las cuentas patrimoniales ya que se pudo de alguna manera frenar esta situación por el momento y en cuanto a los créditos otorgados antes de la pandemia se los manejó de acuerdo a las políticas internas recientemente aprobadas con refinanciamientos y reprogramación de las cuotas pendientes. | es_ES |
| dc.format.extent | 22 p. | es_ES |
| dc.language.iso | es | es_ES |
| dc.publisher | BABAHOYO: UTB, 2020 | 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 | es_ES |
| dc.subject | Cooperativa | es_ES |
| dc.subject | Políticas | es_ES |
| dc.subject | Refinanciamiento | es_ES |
| dc.title | Análisis de la gestión de la cuenta cartera de crédito en la Cooperativa de Ahorro y Crédito San Antonio Ltda. Los Ríos durante el periodo marzo - mayo del 2020 | es_ES |
| dc.type | bachelorThesis | es_ES |
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