La gestión en la colocación de créditos y su incidencia en la rentabilidad de la Cooperativa de Ahorro y Crédito Sumak Yari Ltda., del cantón Ambato

Abstract

The Cooperativa de Ahorro y Crédito Sumak Yari Ltda., is an entity formed of working people, who joined to provide financial services and products, mainly indigenous people, its parent is located in Ambato on the streets Juan Benigno Vela 03 -20 mirror. In the developed research it was determined that the cooperative has a weakness mainly in Management Placement credits; credit methodology or process to be carried out to extend credit. Through an analysis of indicators of delinquency and profitability, and a survey of staff of the Cooperative could ratify the problem. The body goes through a stage where the percentage of default is not appropriate, because it is not implemented correctly process in granting credit is a flaw affecting profitability, thus endangering their stay in the Cooperative Sector. Due to this problem the design of a manual of policies and procedures, credit and collections was raised to improve the profitability of the Cooperative Savings and Credit Sumak Yari Ltda. Of Ambato Canton, thus contributing to the strengthening and development of the institution granting credits through a proper process and ensures retrieval. By adapting to your body an efficient process by manual, loan officers and officials involved in the process of granting a loan may conduct their activities with a higher level of quality.