Diseño de un plan estratégico para la reducción de la cartera vencida para la Cooperativa de Ahorro y Crédito 27 de Noviembre ubicada en la ciudad de Riobamba

Abstract

The objective of this research project was to develop a strategic plan that contributes to the reduction of the overdue portfolio of the Cooperativa de Ahorro y Crédito 27 de Noviembre of the city of Riobamba, for which a study was carried out in order to know the current operational and administrative situation of the Cooperative. Therefore, the research methodology that was implemented was based on a qualitative-quantitative, explorative and descriptive approach, in order to evaluate and describe the characteristics and elements necessary for the development of the strategic plan and determine the actions to be implemented by the Cooperative to reduce the overdue portfolio, the same that could be quantifiable through field research tools and techniques such as the survey and interview applied to each of the collaborators of the entity. Therefore, it is necessary to develop a strategic plan focused on the recovery of overdue loans that contains: the design of the collection department, credit policies, operational strategies and reduction of collection costs.