Administración del riesgo crediticio y su incidencia en la morosidad de la Cooperativa de Ahorro y Crédito Juan Pio de Mora, cantón San Miguel, Provincia Bolívar, periodo 2017 - 2019.

Abstract

The objective of this investigation lies in the problem that the default rate on loans generates for the Juan Pio de Mora Credit Union, located in the province of Bolivar, canton of San Miguel. Due mostly to internal factors such as poor administration when it comes to credit risk, which has been created because of the unequivocal application of a fundamental tool when analyzing the subject of the loan, the 5 c’s. To analyze the loan risk administration together with the delay in payment, we carried out two surveys, both among the personnel from the loan department, as well as the clients who were granted loans from the period 2017-2019. The validation of the inquiries from the Questionnaire was realized through the Statistical Cronbach Alfa, showing a 73.5% reliability. While the verification of the hypothesis was done through the statistical model Chi Cuadrado, Which, having a result of 23.75 more than the critical value of 3.84, shows that the credit risk administration influences the defaulting loans at the Juan Pio de Mora Credit Union. The results show that credit risk management doesn’t exist, which brings the default rate higher than the total portfolio allowed for the credit unions in segment 2, furthermore very little participation of the credit managers in the recovering portfolio funds was shown, impeding direction and the accomplishment of goals, its survival, and the increase of participation in the market, amongst others things; for these reasons, it is suggested to propose a plan of Loan Risk Administration based on the correct application of the 5 C’s (Capacity, Capital, Character, Collateral, and Conditions) and in strategies that permit management of Defaulting loans, as a solution to the occurrences that all this has caused.