Diseño de un scoring de crédito para la Cooperativa de Ahorro y Crédito "Crediamigo" LTDA. Cantón Loja - Provincia de Loja
The credit union Crediamigo Ltda., A financial institution of segment 3, located in the province of Loja and provides financial services to its members and customers within which consumer loans and microenterprise loans are used Warranty person and mortgage, the same as, despite having an efficient...
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| Tipo de recurso: | tesis de maestría |
| Estado: | Versión publicada |
| Fecha de publicación: | 2015 |
| País: | Ecuador |
| Institución: | Universidad San Francisco de Quito |
| Repositorio: | Repositorio Universidad San Francisco de Quito |
| Idioma: | español |
| OAI Identifier: | oai:repositorio.usfq.edu.ec:23000/5053 |
| Acceso en línea: | http://repositorio.usfq.edu.ec/handle/23000/5053 |
| Access Level: | acceso abierto |
| Palabra clave: | Bancos cooperativos - Análisis de casos - Loja (Ecuador) Riesgo (Finanzas) - Análisis de casos Crédito - Administración Ciencias sociales Banca |
| Sumario: | The credit union Crediamigo Ltda., A financial institution of segment 3, located in the province of Loja and provides financial services to its members and customers within which consumer loans and microenterprise loans are used Warranty person and mortgage, the same as, despite having an efficient administration processes and the return of the money through payments, remains a major issue loans at 8%, due to inadequate qualification of the borrower, causing which by definition can not move generated losses of default and are subsequently absorbed by the assets of the institution. The objective of this work is to therefore, that the credit union Crediamigo Ltda., Through the implementation of a model Score Rating Portfolio for its members achieve first identify the variables and factors credit risk that alter the normal functioning of the business, through a detailed statistical analysis of the corporate database, so that the necessary measures for the identification, measurement, mitigation and control of credit risk taken, and, Second, weigh the different characteristics of a borrower, a lender and a loan in order to optimize resources and increase profitability and comply with the provisions of its mission and vision, and also the rules set forth by the Superintendency of Popular Economy Solidarity control entity. |
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