Cartera de crédito vencida de la Cooperativa de Ahorro y Crédito “Virgen del Cisne”, agencia Vinces en el periodo 2019-2020.
| dc.contributor.advisor | Merchán Jácome, Verónica Alexandra | |
| dc.contributor.author | Rodríguez Chevez, Jefferson Rolando | |
| dc.date.accessioned | 2022-05-12T04:43:21Z | |
| dc.date.available | 2022-05-12T04:43:21Z | |
| dc.date.issued | 2022 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/11549 | |
| dc.description | In this case study, a comparison will be made of the overdue credit portfolio of the Virgen del Cisne Savings and Credit Cooperative, Vinces agency during the years 2019-2020, which has a problem, that of arrears in payments. of credits from customers. In the organization there are well-defined credit policies that prevent credits from being granted to clients who do not have the ability to pay, but sometimes those in charge of approving the credits do not carry out a very exhaustive study and analysis of the data and issue credits to customers with little ability to pay, also as there was a pandemic, customer credit payments were late due to the fact that many of them lost their jobs or became ill, this situation allowed the overdue credit portfolio and the index of delinquency of the cooperative has undergone changes, for which this case study will be carried out in order to know how the credit portfolio varied before and during the pandemic. The methods to be used in this research are the deductive and analytical method through observation, interview and literature review techniques. It is feasible to carry out this case study because it will have a better understanding of the organization's nonperforming loan portfolio and how it undergoes changes during a natural event. | es_ES |
| dc.description | In this case study, a comparison will be made of the overdue credit portfolio of the Virgen del Cisne Savings and Credit Cooperative, Vinces agency during the years 2019-2020, which has a problem, that of arrears in payments. of credits from customers. In the organization there are well-defined credit policies that prevent credits from being granted to clients who do not have the ability to pay, but sometimes those in charge of approving the credits do not carry out a very exhaustive study and analysis of the data and issue credits to customers with little ability to pay, also as there was a pandemic, customer credit payments were late due to the fact that many of them lost their jobs or became ill, this situation allowed the overdue credit portfolio and the index of delinquency of the cooperative has undergone changes, for which this case study will be carried out in order to know how the credit portfolio varied before and during the pandemic. The methods to be used in this research are the deductive and analytical method through observation, interview and literature review techniques. It is feasible to carry out this case study because it will have a better understanding of the organization's nonperforming loan portfolio and how it undergoes changes during a natural event. | es_ES |
| dc.description.abstract | En el presente estudio de caso se realizará una comparativa de la cartera de crédito vencida de la Cooperativa de Ahorro y Crédito Virgen del Cisne, agencia Vinces durante los años 2019-2020, lo cual cuenta con una problemática, la de los atrasos en los pagos de los créditos por parte de los clientes. En la organización existen políticas de créditos bien definidas que impiden de que se otorguen créditos a clientes que no tengan la capacidad de pago, pero en ocasiones los encargados de aprobar los créditos no realizan un estudio y análisis bien exhaustivo de los datos y emiten créditos a clientes con poca capacidad de pago, también al haber existido una pandemia, los pagos de los créditos de los clientes tuvieron atrasos debido a que muchos de ellos perdieron sus trabajos o se enfermaron, esta situación permitió que la cartera de crédito vencida y el índice de morosidad de la cooperativa haya sufrido cambios por lo cual se efectuará este estudio de caso con el fin de conocer cómo varió la cartera de crédito antes y durante la pandemia. Los métodos a emplear en esta investigación son el método deductivo y analítico a través de técnicas de observación, entrevista y revisión bibliográfica. Es viable la realización de este estudio de caso debido a que se tendrá un mejor entendimiento de la cartera de crédito vencida de la organización y cómo sufre cambios durante un acontecimiento natural. | es_ES |
| dc.format.extent | 31 p. | es_ES |
| dc.language.iso | es | es_ES |
| dc.publisher | Babahoyo: UTB-FAFI. 2022 | 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 | Cooperativa | es_ES |
| dc.subject | Organizaciones | es_ES |
| dc.subject | Socios | es_ES |
| dc.subject | Cartera de créditos | es_ES |
| dc.subject | Cartera improductiva | es_ES |
| dc.subject | Liquidez | es_ES |
| dc.subject | Morosidad | es_ES |
| dc.title | Cartera de crédito vencida de la Cooperativa de Ahorro y Crédito “Virgen del Cisne”, agencia Vinces en el periodo 2019-2020. | es_ES |
| dc.type | bachelorThesis | es_ES |
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