El control operativo en la colocación de créditos y la cartera en la Cooperativa de Ahorro y Crédito Educadores de Tungurahua Ltda.

Abstract

Credit risk is identified as a threat to the achievement of the Cooperative's objectives and therefore, situations that may affect the managers, investors and shareholders. Obviously the best way to avoid insolvency situations is through a good operational control, by financial institutions not to register losses and to suffer problems in the placement of credits and recovery of their portfolio, is less worrisome if the entities have resources to cover those losses. Risk behavior involves identification, prevention, monitoring and adoption of measures, models, as well as the implementation of adequate systems to avoid the uncertainty of non-compliance. The purpose of the investigation is to determine if the credit handbook details strategies for portfolio recovery, activities that must be complied with in order to reduce the past due portfolio, in order to avoid illiquidity in the financial institution. The importance of the research lies in the fact that an efficient proposal is presented to mitigate credit risk, increase control over the placement of loans and improve the liquidity of the financial institution.Credit risk is identified as a threat to the achievement of the Cooperative's objectives and therefore, situations that may affect the managers, investors and shareholders. Obviously the best way to avoid insolvency situations is through a good operational control, by financial institutions not to register losses and to suffer problems in the placement of credits and recovery of their portfolio, is less worrisome if the entities have resources to cover those losses. Risk behavior involves identification, prevention, monitoring and adoption of measures, models, as well as the implementation of adequate systems to avoid the uncertainty of non-compliance. The purpose of the investigation is to determine if the credit handbook details strategies for portfolio recovery, activities that must be complied with in order to reduce the past due portfolio, in order to avoid illiquidity in the financial institution. The importance of the research lies in the fact that an efficient proposal is presented to mitigate credit risk, increase control over the placement of loans and improve the liquidity of the financial institution.