Contabilidad y Auditoría

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Subject: search.filters.subject.ADMINISTRACIÓN DE RIESGOS FINANCIEROS

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    El riesgo de crédito y su incidencia en la liquidez de la Cooperativa de Ahorro y Crédito Acción Tungurahua Ltda., de la ciudad de Ambato en el año 2013.
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Carrera de Ingeniería Financiera., 2014-09) Núñez Vargas, Sofía Verónica; DT - Ortíz Coloma, Hernán Paúl
    The Credit Union or Service and Loan - Action Tungurahua Ltd., is an institution that provides financial goods and services, pursuing the economic development of all its members. The current research study aims to develop strategies so that effective decisions are made on time in order that the institution growth and is not affected. The research method used is the field research through surveys applied to the staff members of the Union in order to obtain reliable and accurate information. The application of Financial Indicators allows making a deep analysis of the real financial situation of the Union, and determines the need of a management model to help efficiently manage the risk that the Union has at the moment of granting credit thus the objectives for which the institution was created are achieved. The scoring model is an automatic assessment system of applications for loans that allows the Union to predict the probability that a loan is paid and recovered on time. The Credit Scoring based on 5c of Credit is a non-statistical model based on the type of the applicant, his / her repayment capacity, available capital as a backup, collateral as security for the loan and conditions of the economy in general, allowing the Institution to make accurate decisions when providing loans. In this way, the procedures of the Union will be improved at the moment of providing its financial service by generating positive outcomes that allow the growth and expansion of the Union at the national level. Key words: growth, liquid assets, managements model, procedures, outcomes, loan recovery, risk, decision-making.
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    La administración del riesgo de crédito y su incidencia en la rentabilidad de la empresa comercializadora de calzado DICOCALZA de la ciudad de Ambato.
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Carrera de Ingeniería Financiera., 2014-07) Rodriguez Gines, Diana Maricela; DT - Jimenez Estrella, Patricia Paola
    This research takes an approach to the problems presented by the company Dicocalza of Ambato, that company is in the footwear industry. The footwear industry in the city of Ambto, is one of the most emblematcos productive sectors of the city, so the government supports the sector through the production matrix supported by the ministries of industries and competitiveness. Dicocalza presents a common phenomenon in most companies, and the management of credit risk that affects the business rentabiliad; address this is to put forward a viable solution that contributes to better control credit risk, this statistical methodology applied to the company will contribute to better management of credit risk, with positive effects on the business economy.
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    La administración de riesgos financieros y los beneficios económicos de las cooperativas de ahorro y crédito, en el año 2012.
    (Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Carrera de Contabilidad y Auditoría., 2014-02) Garzón Aguirre, Kléber Humberto; DT - Medina Guerra, Remigio Antonio