EL proceso de créditos y la liquidez de las Cooperativas de Ahorro y Crédito del segmento 2 zona 3, en el año 2015

Abstract

The present research work aims to respond to the problem: "the Credit Process and the Liquidity of Cooperatives of Saving and Credit of the segment 2 zone 3 during the year 2015". The credit demand has grown last years in Ecuador, besides the creation of financial business to satisfy the necessity of circulating. In fact, more Credit and Savings Cooperatives are Indigenous and thanks to them, the rural section is spreading out and transforming in a developed zone. Nevertheless, there is deficiency in lending, as this causes inconvenience when manage and retrieve them no longer allowing compliance with policies and procedures framed in the credit manual; at the same time, they are exposed to different types of risks, which is why an analysis was made of the credit process and liquidity. For its own study, it had picked informative of 4 cooperatives, conducting of field and documentary research through annual bulletins of the 2015 of the Superintendence of Popular and solidary economy, same ones that helped to calculate the indicators in which it was possible to determine that the organization has good economic conditions, but there is a high overdue loan portfolio for which it is recommended to apply Credit Scoring Model and it is used for small financial companies to decrease the risk without the necessity of invest in a big quantity of resources.