Modelo de gestión crediticia para reducir la morosidad de la cartera de microcréditos en el departamento de créditos de la Cooperativa de Ahorro y Crédito Guamote Ltda. matriz del cantón Guamote provincia de Chimborazo, en el período 2019

Abstract

The present research work called “Credit management Model that allows reducing the delinquency of the microcredit portfolio of the “Cooperativa de Ahorro y Crédito Guamote”Matrix, Guamote canton, Chimborazo province was carried out to present a change in the processes concession, recovery and follow-up of past due portfolio, thus improving internal procedures and meeting the objectives set, through adequate decision making. The management model proposes a situational diagnosis of the institution through financial analysis, financial indicators, portfolio analysis, finding findings, such as the high level of delinquency. Therefore, a process manual is prosed, which is established in three, negotiation process, granting of credit and the process of monitoring and collections in order to obtain a decrease in the portfolio, using the results obtained in the research process, the components that make up the design of credit strategies could be developed. That is why the recommendation is to implement the design of strategies to reduce delinquency, following up on the processes established in the grammar flow established in the investigation, to achieve efficiency in the activities within the credit department, gradually reducing delinquency.