El riesgo crediticio en la rentabilidad de la Cooperativa de Ahorro y Crédito Crecer Wiñari Ltda. de la ciudad de Ambato

Abstract

The main objective of this research project is solve the problem of savings and credit cooperative “Crecer Wiñari Ltda.”, the decreased liquidity. After researching in the entity the causes were identified, mainly the credit risk increase, owing toaccumulation of activities to only one person. Has credit regulations and manuals is synonymous of compliance, but these aren’t applied cause the incorrect granting of credits. Consequently, the portfolio recovery is not done according to plan, causing increased delinquencies. Is important manifest that this is a financial intermediary, then capture and place financial resources, beingsubstantial has a great liquidity to meet obligations with its clients and partners.