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dc.contributor.advisorTerranova Borja, Galo
dc.contributor.authorPrieto Zuñiga, Vanessa Kristel
dc.date.accessioned2020-10-02T19:21:55Z
dc.date.available2020-10-02T19:21:55Z
dc.date.issued2020
dc.identifier.urihttp://dspace.utb.edu.ec/handle/49000/8561
dc.descriptionThis study focused on the loan portfolio of the Coopertiva de Ahorro y Crédito San Antonio LTDA. Agency Mata de Cacao period 2019, the San Antonio cooperative is a financial intermediation institution that aims to contribute to the development of the community in order to improve the quality of life. The análisis to be carried out is to the loan portfolio becuase it has had several problems such as the increase in delinquency which caused the unproductie portfolio to increase, these consequences occurred because the loan personnel did not follow the policies of the institution,the agents at granting the credit does not accurately analyze the partner and ther ability to comply with the payment of said credit, that is whyat the time of canceling the debt the partners do not comply with their obligation. The análisis of the loan portfolio Will be carried out through different financial reassons, the delinquency index that affects the recovery of the porfolio, according to numerical data, the agency Mata de Cacao has the loan portfolio with the highest delinquency at comparación of the other agencies and parend company. The superintendency of the popular and solidarity economy determines that the liquidity index Will measure the level that the institution has to meet is obligations. The techniques that Will be used are observation, interview and bibliographic review, the inductive method, deductive method and analytical method were applied, the line of research to be used is management of accounting information.es_ES
dc.descriptionThis study focused on the loan portfolio of the Coopertiva de Ahorro y Crédito San Antonio LTDA. Agency Mata de Cacao period 2019, the San Antonio cooperative is a financial intermediation institution that aims to contribute to the development of the community in order to improve the quality of life. The análisis to be carried out is to the loan portfolio becuase it has had several problems such as the increase in delinquency which caused the unproductie portfolio to increase, these consequences occurred because the loan personnel did not follow the policies of the institution,the agents at granting the credit does not accurately analyze the partner and ther ability to comply with the payment of said credit, that is whyat the time of canceling the debt the partners do not comply with their obligation. The análisis of the loan portfolio Will be carried out through different financial reassons, the delinquency index that affects the recovery of the porfolio, according to numerical data, the agency Mata de Cacao has the loan portfolio with the highest delinquency at comparación of the other agencies and parend company. The superintendency of the popular and solidarity economy determines that the liquidity index Will measure the level that the institution has to meet is obligations. The techniques that Will be used are observation, interview and bibliographic review, the inductive method, deductive method and analytical method were applied, the line of research to be used is management of accounting information.es_ES
dc.description.abstractEl presente estudio se centro en la cartera de créditos de la Cooperativa de Ahorro y Crédito San Antonio LTDA. Agencia mata de cacao Periodo 2019, la cooperativa San Antonio es una institución de intermediación financiera que tiene como fin aportar al desarrollo de la comunidad con el objeto de mejorar la calidad de vida. El análisis a realizarse es a la cartera de créditos porque ha tenido varios problemas como el aumento de la morosidad lo cual produjo que la cartera improductiva aumente, estas consecuencias se dieron porque el personal de créditos no seguía las políticas de la institución, los agentes al otorgar el crédito no analizan con exactitud al socio y su capacidad de poder cumplir con el pago de dicho crédito, es por esto que al momento de cancelar la deuda los socios no cumplen con su obligación. Se va a realizar el análisis de la cartera de créditos a través de diferentes razones financieras, el índice de morosidad que afecta a la recuperación se la cartera, según datos numéricos la agencia mata de cacao tiene la cartera de créditos con la morosidad más elevada a comparación de las otras agencias y matriz. La superintendencia de economía popular y solidaria determina que el índice de liquidez va a medir el nivel que tiene la institución para cumplir con sus obligaciones. Las técnicas que se van a usar son la observación, entrevista y revisión bibliográfica, se aplicó el método inductivo, método deductivo y método analítico, la línea de la investigación a usarse es gestión de la información contable.es_ES
dc.format.extent26 p.es_ES
dc.language.isoeses_ES
dc.publisherBABAHOYO: UTB, 2020es_ES
dc.rightsAtribución-NoComercial-SinDerivadas 3.0 Ecuador*
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/3.0/ec/*
dc.subjectCartera de créditoes_ES
dc.subjectCartera improductivaes_ES
dc.subjectLiquidezes_ES
dc.subjectPolíticases_ES
dc.titleAnálisis de la cartera de créditos periodo 2019 de la Cooperativa de Ahorro y Crédito San Antonio Agencia Mata de Cacaoes_ES
dc.typebachelorThesises_ES


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