Diseño de un modelo de gestión por procesos operativos de la cooperativa de ahorro y crédito Ñaupa Kausay, del cantón Colta

Abstract

The “Ñaupa Kausay” Savings and Credit Cooperative does not have a management model based on operational processes, which has led to a deficient placement of credits, inadequate definition of functions, inefficient collection management, just as it is not carried out control and measurement of the management for the collection, placement and collection. Therefore, the objective of this research was to design a management model by operational processes of the Ñaupa Kausay Savings and Credit Cooperative, of the Colta Canton, to improve its profitability. For the development of the research, a qualitative and quantitative approach was used; a type of documentary and field study; the research techniques used to collect information were surveys and interviews; the research instruments used were the questionnaire and the interview guide, in the case of the survey it was applied to the staff and members of the cooperative, and the interview was directed to the manager, through which important information was obtained that contributed to the proposal development. Through the discussion of results, it was evidenced that the cooperative does not have a system of operational processes, much less a process manual, causing the staff to be unaware of their responsibilities in the execution of each of the processes, as well as the emergence of errors in the development of their activities, causing that there is not an adequate placement of credits and recovery of the credit portfolio. Therefore, it is concluded that the cooperative does not have defined and documented operational processes, so with the development of the proposal, the cooperative will have an instrument that serves as a guideline for the staff to execute the operational processes correctly, and optimize their resources and time