Los procesos de créditos y la cartera vencida de las cooperativas de ahorro y crédito del segmento 1 de la zona 3, en el año 2015

Abstract

During the last few years credit activities have been developing in great magnitude, that is why day after day are born new cooperatives, all with expectations of attracting partners and customers with new financial products. Same as it is under the control of the Superintendence of Popular and Solidarity Economy, which are considered of utmost importance within the economy of the country. However, the cooperatives have a high portfolio index due to an inadequate analysis in credit processes, generating a poor placement of loans, although financial institutions have credit policies have not been sufficient to counter the main problem and Decrease the past due loan portfolio and delinquency. The present investigation was based on the need to analyze the credit processes and past due loans of the Savings and Credit Cooperatives of the Segment 1 of Zone 3, in the year 2015 because there is a deficiency in the moment of granting a credit leading to no Guaranteeing the recovery of the amount requested, or complying with the policies and procedures framed in the loan manual, this helps to detect shortcomings in the process in order to find the right solutions that allow it to extend the organizational development. Therefore, we propose a Credit Scoring that will allow us to optimize the processes and procedures in the granting of credits. This model is executed through the "5C" such as capacity, capital, collateral, character and conditions. With this model the credit counselors have a guide to grant the credits, thus fulfilling the parameters and policies established by the cooperatives.