Gestión Financiera - M

Permanent URI for this collectionhttp://repositorio.uta.edu.ec/handle/123456789/3655

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2015 - 20165

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End date: 2020Subject: search.filters.subject.COOPERATIVA

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    Análisis CAMEL y el proceso de toma de decisiones en la Cooperativa San Francisco de Asís Ltda.
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Dirección de Posgrado, 2016-07) López Villa, Luis Ernesto; DT - Córdova Pacheco, Ana Consuelo
    This research analyzes the quality and performance of financial indices, the credit union "St. Francis of Asis" Ltda., And their behavior towards other cooperatives that are part of the segment 2 and the same geographical area, technical gathering information such as: observation, interviews and surveys help generate information for the purpose of study, so that the incidence between the CAMEL analysis and decision-making is verified through chi square, for the period 2014-2015. Financial information is the most important of each entity active, obviously other assets will, but they will be possible to acquire them somehow, however if you have any problems with the financial information of the institution will not be possible to obtain data and actual indicators, for this reason born research in which we dedicate our effort to analyze, compare and interpret the efficient and effective development of financial indices. The source of financial information for this research is the issuing monthly Superintendence of Popular Economy and Solidarity (SEPS), to identify in a timely and reliable manner the degree or performance of each entity. CAMEL analysis is an indispensable tool for diagnosing and identifying the financial risks arising from the nature of the business, among them are tool: excess liquidity, low profitability, high delinquency portfolio, among others; This study applies weighting techniques, normality and qualification; resulting in a range between 1 and 5; a rating of 1 (one) does not represent problems and a rating of 5 (five) represents problems; Finally conclusions and recommendations enabling economic and social growth of the credit union "St. Francis of Asis" is issued Ltda.
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    Los procesos de concesión de créditos y la liquidez en la Cooperativa Minga Ltda.
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Dirección de Posgrado, 2016-05) Guerrero Palacios, Ana Belén; DT - Vásconez Gavilánez, Lidia Rosario
    Credit Unions in Ecuador have had a great evolution thanks to the control that has exercised the Superintendency of Popular and Solidarity Economy, because of the lack of monitoring of the Control Agencies in previous years, has resulted in the implementation of procedures for granting of credits that are not substantiated or regulated, which resulted in many of the institutions high delinquency rates by the difficulties that occur when running the recovery process, due to the absence of legal documents that argue, support and can sustain the credit, which makes complex collection pre judiciary and judicial. This set of factors that complicate the collection make the cooperative leave to earn income and receive necessary resources for the implementation of their normal daily activities such as the fulfilment of one of its objectives is to promote the productive sector through the placement of resources through the delivery of microcredit, on the other hand does not allow it to cover the demand for withdrawals from savings and investments of its partners and the fulfilment of its obligations with suppliers. These processes in which determine the deposits of cash by the institution for the analysis and distribution of resources, are called management of liquidity risk and is based primarily on the study of all the odds and sources that has the institution to receive resources and the destinations that are going to give you, taking into account the demand for withdrawals from savings and investments of its partners, the activities carried out and the obligations that we generate their implementation in order to calculate the liquidity of the institution in which it seeks to ensure that all short-term liabilities are covered by current assets that are immediately processed in cash. This work analyzes the process of granting of credits that runs the Cooperative Minga Ltda., and the influence they have on the Liquidity indicators that presents the institution.
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    El trabajo en equipo y su incidencia en la toma de decisiones del departamento de negocios de la Cooperativa Cacpet
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Dirección de Posgrado, 2015-05) Muela Proaño, Sandro Oscar; DT - Verdesoto Velastegui, Santiago Oswaldo
    Team work is a collaborative effort between members of an organization to achieve common goals. Due to the great competition in the cooperative sector the incorporation of new strategies and forms of labour becomes an urgent need to help improve the competitiveness of cooperatives in particular to improve the decision-making process. There are multiple definitions for work in team. The important thing is to know them to develop a concept which identify us and guide us in our work team. Noteworthy is the difference that exists in 2 concepts:  Team: is the Group of people assigned according to skills and specific competencies, to meet a particular goal under the leadership of a coordinator.  Teamwork: refers to the series of strategies, procedures and methodologies used by a group of people to achieve the proposed goals. The definition for the same concept will then be detailed: team: "people, professional or scientific group, organized to carry out an investigation or specific service". Teamwork improves job performance, since it influences not only raise the motivation, but optimize the capacity of the equipment and get to meet the objectives; This way of working together with the definition of indicators for the different areas of the organization that considers the scorecard will allow a better level of competitiveness of the CACPET. To be embedded in a system of work is necessary to relate to other people, and thus the creation of working groups there is where it is important to understand the differentiation of work in Group and team that will be presented later.
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    La gestión de captaciones y su incidencia en las operaciones de créditos de la Cooperativa de la Pequeña Empresa de Tungurahua
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Dirección de Posgrado, 2015-05) Camino Cepeda, Félix Israel; DT - Salazar Mejía, César Augusto
    At present, the rapid growth of the cooperative sector has marked an important milestone in the Ecuadorian financial system and a constant challenge to propose new products and services as a way to attract more partners and potential customers. This research aimed to analyze the management of deposits and their impact on credit operations of the Cooperative of Small Business Tungurahua. For the study a survey was applied and a questionnaire as an instrument whose population consisted of administrative staff and the board of directors and supervision, reaching the following conclusions: Management of CACPET deposits will largely directed to deposits which causes the deposit products are limited; credit operations have had a poor level of action; assets have not had an acceptable margin of growth for these operations are in the hands of a few members of the company and there is noncompliance with the manual handling of credit transactions which has caused delays and lack of guarantees. Under these circumstances and in order to solve these problems, a negotiation model that allows for proper administration of policies and procedures at the institution, aimed at improving the level of deposits, to diversify products and services, set train officers in transforming business managers who provide personalized attention in the management of liabilities and mainly as a result increase the number of credits to the partners.
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    El sistema de gestión de calidad y los resultados financieros de la Cooperativa de Ahorro y Crédito Oscus Ltda.
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría, 2015-03) Celi Portero, Chrystiam David; DT - Salazar Mejía, César Augusto
    The research topic The Quality Management System and Financial Results of the Cooperative Savings and Credit OSCUS Ltda, aims to study the impact that the system has had since its implementation in achieving the financial results of the institution, this in order to verify the developments that have suffered financial results from the implementation of the system and even more after three consecutive years of maintain certification Standards ISO 9001: 2008. With the work performed can conclude that the system of quality management has contributed significantly to the results that the Cooperative maintains to the date, locating it among the five most efficient Cooperatives, in the ranking of national cooperative system, however is required provide the system a measurement methodology that allows to obtain timely data to determine their impact on the financial results of the Cooperative.