Las políticas de crédito y su incidencia en la cartera vencida de la Cooperativa de Ahorro y Crédito Pushak Runa de la ciudad de Ambato en el año 2013

Abstract

This item: CREDIT POLICY AND ITS IMPACT ON THE DUE PORTFOLIO COOPERATIVE SAVINGS AND CREDIT Pushak RUNA AMBATO CITY IN THE YEAR 2013 ". Therefore, business development faces some challenges in the middle, but face them from perspectives of improvement has become the link, so take advantage of business opportunities is vital in this regard it is determined that credit policies should be changed to generate a dynamic management and prevent NPLs is a factor of organizational stagnation, the methodology and the process determined in field research it is important to bring about change by establishing integration of information to make effective decisions and eliminate the risk, while the proposal is to redesign the credit process, using a scoring which maximizes financial management to establish a high participation in the financial market and thus establish a continuous improvement and access to new business opportunities will cover new segments and then to project an image of financial efficiency in the environment, so that customer loyalty is promoted in the middle and then to create sustainable competitive advantages.