Planificación estratégica financiera de recuperación de la cartera de la Cooperativa de Ahorro y Crédito FINANCREDIT a partir del año 2011, 2012, en la ciudad de Ambato, provincia de Tungurahua

Abstract

The subject matter of the present investigation concerns the recovery Financial Strategic Planning portfolio Cooperative Savings and Credit "FINANCREDIT" from the year 2011-2012, which is located in the city of Ambato, Tungurahua Province "and the problem to be solved is related to the default that comes from lack of controls, internal organization and this causes each year is increased delinquencies.

The Cooperative began operations in 2010 and currently has 5000 members in both the matrix and the agencies of Latacunga and Machachi with capital of $ 149,251.24.

The type of research responds to the qualitative and quantitative approach and its proposal raises strategic direction, financial analysis, credit management, formulating policies and internal control mechanisms as a contribution that contributes to overcome the high delinquency rates.

We conclude the existence of a risk in the recovery of the credit because money does not enter the expected dates and these results in a lack of liquidity to continue making loans.

It is recommended to implement this proposal on Strategic Financial Planning because it serves as a vital tool to initiate a process of internal and external knowledge, have a horizon with objectives, goals, policies and strategies for measuring organizational and financial development and better control delinquency.