Modelo de gestión por procesos para la cooperativa de ahorro y crédito “San Miguel de Pallatanga”, cantón Pallatanga, provincia de Chimborazo, período 2023-2027

Abstract

The present study entitled process management model for the “San Miguel de Pallatanga” savings and credit cooperative, located in Pallatanga canton, province of Chimborazo, period 2023-2027 was developed with the objective of structuring a process management model through viable alternatives and coherent, pending the improvement and productivity of the cooperative to improve each of the areas and improve new customer or member acquisitions. To carry out the investigation, methods, techniques and instruments were used to help strengthen the investigation and in turn focused on the analysis of the survey where several shortcomings were identified such as lack of compliance in the credit profile and lack of documentation due to poor advice given to clients as employees do not have the necessary information to socialize. Because of this, modifications and training programs have been carried out in accordance with the requirements to obtain a credit in such a way that the procedures can be easily generated. Collection of information was developed for the construction of detailed processes based on characterizations which help to eliminate bottlenecks with strategies through the application of the Scorecard balance. The processes related to the acquisition, placement, recovery of credit and credit risk management are developed through appropriate processes in the operational area where the placement and recovery of credits is appreciated. It is recommended that managers carry out an adequate application of each of the processes applied with the purpose of strengthening the acquisition of clients and improving their collection processes, and avoid that clients fall into default