Los procesos de crédito y la liquidez en las Cooperativas de Ahorro y Crédito del Segmento 5, en la ciudad de Ambato provincia de Tungurahua

Abstract

The present work treats on the credit processes in the Cooperatives of Saving and Credit of Segment 5 in the City of Ambato tries to evaluate the credit processes to determine falencias that affect the liquidity of these financial institutions. The general mission was to analyze the credit processes that affect the liquidity of the Cooperatives of Saving and Credit of segment 5 in the city of Ambato Province of Tungurahua. By means of a documentary bibliographical investigation the knowledge with respect to the study variables could be updated; the investigation of field allowed to determine the existing problem. The population or universe constituted fourteen Cooperatives of Saving and Credit of the segment 5 that are delimited in the Parish the Matriz. The harvesting of the information was made it through a survey that was applied to 28 people who toil in these financial organizations to diagnose how the credit processes are made at the moment. In addition it was come to analyze the liquidity of the cooperatives of this segment through the financial statements given by the Supervision of Popular and Shared in common Economy. According to the objectives drawn up, it was possible to be concluded that during the process of credit in a 43% a rigorous credit analysis is only made before granting a credit, 39% sometimes verifies the suitability of the presented/displayed guarantees, thus putting in risk the recovery of the portfolio. The applied financial indicators, determined that the liquidity is in a 17% corresponding to a very low level, demonstrating therefore the little decision making through such. For such reason one sets out a plan of improvement of the credit process, cobranza and countable control that allows the cooperatives to stay in the market with a controlled growth and sharp.