La gestión del efectivo y su relación con el proceso de otorgamiento de créditos en la Cooperativa de Ahorro y Crédito Integración Solidaria Ltda., de la ciudad, de Ambato en el periodo 2012

Abstract

The Savings and Credit Cooperative Integration Partnership Ltd., is an institution that provides financial services, located in the city of Salcedo with agency in city of Ambato, according to the study has been determined that the main problem is at the present time is the high default, meaning the default in payment stipulated in the credit agreement. This problem has been detected with an analysis of the institution internally, using techniques such as the survey, interview and financial analysis and maintaining direct contact with people who are part of the cooperative. Considering that the main activity is the provision of credit, it has been determined that there is inadequate lending process, so it has affected the increase in nonperforming loans, which has greatly affected the level of liquidity. Therefore adequate cash management focused on reducing delinquency by restructuring processes, establish appropriate policies and procedures for granting and loan recovery, and implement strategies that will help improve the liquidity level required.