Browsing by Author "Gamboa Rivera, Nelson Adrián"

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    La administración del riesgo de crédito y la morosidad en las cooperativas de ahorro y crédito del segmento 5, del cantón Ambato, en el año 2015
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Carrera Ingeniería Financiera, 2016-10) Gamboa Rivera, Nelson Adrián; DT - Guachimboza Villalva, Marco Vinicio
    In Ecuador from February 13, 2015 proceeded to the segmentation of the credit union for better control, taking into account that financial intermediation institutions contain a degree of uncertainty about the credit risk, and delinquencies have reached double figures in this investigation will be treated analysis of credit risk management of the cooperatives segment 5 of the canton Ambato. The risk level increases when an institution works with its customers' resources and a social responsibility to the state, this is why it is necessary to implement control measures on lending, in this research the implementation of a proposed application guide for personnel placement credits. Credit risk, with varying degrees and different ways is present in virtually all financial intermediation activated. The main objectives of proper management of credit risk are to ensure that the results of the activities taking risks are minimal within cooperatives and there is an appropriate balance between risk and reward in order to maximize returns and reduce delinquency. This research shows the need for proper management of credit risk by cooperatives segment 5 so that the loans will be recovered without any setbacks within the time limits, reducing bad debt and increasing liquidity allowing the development of cooperatives and resource optimization.