Sistema de mejora continua y su incidencia en los procesos crediticios del sector cooperativo perteneciente al segmento 2, del cantón Ambato

Abstract

The Savings and Credit Cooperatives are financial institutions which are dedicated to microfinance, so they have become an important engine of the country's economy, promoting the economic development of the rural and marginal urban population, they also offer their support to the small and medium microentrepreneur in order to develop and boost their economic activities, so it is important to find and implement improvement tools that allow you to achieve an adequate efficiency in credit processes. For this reason, the present research project is focused on conducting an analysis of the internal environment of the credit area of the savings and credit cooperatives of segment 2, of the city of Ambato, in order to improve the processes that increase liquidity and therefore reduce the risk in the loan portfolio. The data obtained in the present field investigation applying the information collection instrument, the survey to the personnel of the cooperative sector in the credit area indicates that it is necessary to apply a system of continuous improvement in the credit granting processes, since it is a factor main for the cooperatives of segment 2, from the city of Ambato. Thus, the proposal resulting from the research guided me to identify and design a system for improving the flow of credit processes and also the design of a matrix of actions in which the importance of the credit process is highlighted as a fundamental element of the economic environment.