Colocación de productos financieros y sobreendeudamiento en los socios de la Cooperativa de Ahorro y Crédito Riobamba Ltda. agencia Cumandá

Abstract

This research is executed in the credit union Riobamba Ltda. Cumandá Agency, in the province of Chimborazo, in order to provide direct solutions to reduce indebtedness, which will solve the deterioration in domestic economy that has incurred high delinquency, the aim is to raise awareness to these partners to minimize payment delays, and propose the implementation of an administration of financial products based on strategies against the overhang of non-performing partners in the credit union Riobamba Ltda., Cumandá Agency during the period 2014. The proper management of financial products will help design strategies for financial education, for credit officers, to help early detection of a possible future indebtedness of the partners who apply for loans. Therefore the proposed management model will reduce the financial problems currently facing the organization, and implement strategies for meeting the goals and objectives set by the financial institution