Planificación estratégica financiera de recuperación de la cartera vencida para disminuir la morosidad en la Cooperativa de Ahorro y Crédito CACPE – Tena Ltda. a partir del año 2010

Abstract

The following research is about “A PAST DUE LOAN RECOVERY FINANCIAL STRATEGIC PLANNING IN ORDER TO DECREASE LATE PAYMENT AT CACPE-TENA LTD. SINCE 2010”. It has been proposed to exceed critical knots regarding to high late payment rate which increase financial risk and impede the return of capital and interest to continue offering loans to customers. The company has headquarters in Puyo and a branch in Tena, this is one of 29 companies which are under the control of the Superintendence of Banks and Insurance of Ecuador, this company has been classified as an institution of financial intermediation since 1993, being one of the 10 largest companies nationwide, it requires to implement strategies to strengthen its financial management. The research is carried out in a qualitative and quantitative approach. Qualitative because criteria were collected. The Financial Strategic Planning proposes to improve past due loan recovery in order to overcome a critical knot in the credit union; this is related to the reduction of late payment. It is recommended that management, takes into account the strategic diagnosis, strategic management, and financial projections according to the reality of the company.