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Análisis de riesgo crediticio y su incidencia en la liquidez de la Cooperativa de Ahorro y Crédito 13 de Abril Sucursal Ventanas de los Periodos 2018 – 2019
| dc.contributor.advisor | Onofre Zapata, Ronny Fernando | |
| dc.contributor.author | Ledesma Cervantes, Jhary Steveen | |
| dc.date.accessioned | 2020-10-01T20:10:23Z | |
| dc.date.available | 2020-10-01T20:10:23Z | |
| dc.date.issued | 2020 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/8533 | |
| dc.description | The present research is to analyze how credit risk has affected the Liquidity of the Credit Union April 13. Therefore, as a starting point it has been possible to identify with the causes that the liquidity compared to two years have been lower as established by the SEPS, this is due to the bad collection system that the institution has, because if the institution had a good collection management system, the percentage established by the SEPS could be exceeded or equalized. As a second point the rate of delinquency in the total portfolio is very high risk, as a possible solution to this difficulty credit staff can be trained to make such staff of the Credit Union 13 de Abril be the fundamental axis in the institution, by training the credit staff we are giving them a break because they will perform their functions or activities in the best way, by investing in that knowledge in staff we are giving the institution liquidity and solvency so that it can meet its obligations to the public. On the other hand, credit personnel do not fully comply with the Cooperative’s credit policy and procedure manual. This is also a determining factor in the company’s state of instability. For this reason I chose this entity to detail shortcomings of which are very eminent in the gathering of information. | es_ES |
| dc.description | The present research is to analyze how credit risk has affected the Liquidity of the Credit Union April 13. Therefore, as a starting point it has been possible to identify with the causes that the liquidity compared to two years have been lower as established by the SEPS, this is due to the bad collection system that the institution has, because if the institution had a good collection management system, the percentage established by the SEPS could be exceeded or equalized. As a second point the rate of delinquency in the total portfolio is very high risk, as a possible solution to this difficulty credit staff can be trained to make such staff of the Credit Union 13 de Abril be the fundamental axis in the institution, by training the credit staff we are giving them a break because they will perform their functions or activities in the best way, by investing in that knowledge in staff we are giving the institution liquidity and solvency so that it can meet its obligations to the public. On the other hand, credit personnel do not fully comply with the Cooperative’s credit policy and procedure manual. This is also a determining factor in the company’s state of instability. For this reason I chose this entity to detail shortcomings of which are very eminent in the gathering of information. | es_ES |
| dc.description.abstract | La presente investigación es de analizar cómo ha incidido el riesgo crediticio en la Liquidez de la Cooperativa de Ahorro y Crédito 13 de Abril. Por lo que, como punto de partida se ha podido identificar cuales con las causales de que la liquidez en comparación de dos años han sido inferior por lo establecido por la SEPS, esto se debe por el mal sistema de cobranza que tiene la entidad, ya que si la institución tuviera un buen sistema de gestión de cobranza se podría superar o igualar el porcentaje que establece la SEPS. Como segundo punto el índice de morosidad en la cartera total es muy alto el riesgo, como posible solución a esta dificultad se puede capacitar al personal de crédito para que dicho personal de la Cooperativa de Ahorro y Crédito 13 de Abril sean el eje fundamental en la institución, al capacitar al personal de crédito le estamos dando un respiro porque así ellos van a desempeñar sus funciones o actividades de la mejor manera, al invertir en ese conocimiento en el personal estamos dándole a la entidad liquidez y solvencia para que así pueda cumplir con las obligaciones con el público. Por otro lado personal de crédito no cumple a carta cabal el manual de políticas y procedimiento de créditos de la Cooperativa este también es un factor determinante en la empresa se encuentre ese estado de inestabilidad. Por esta razón escogí esta entidad para detallar falencias de las cuales son muy eminente en la hora de recabar información. | es_ES |
| dc.format.extent | 23 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 | Riesgo crediticio | es_ES |
| dc.subject | Índice de morosidad | es_ES |
| dc.subject | Liquidez | es_ES |
| dc.title | Análisis de riesgo crediticio y su incidencia en la liquidez de la Cooperativa de Ahorro y Crédito 13 de Abril Sucursal Ventanas de los Periodos 2018 – 2019 | es_ES |
| dc.type | bachelorThesis | es_ES |
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