Las políticas de crédito y cobranza y los índices de liquidez del Sector Cooperativo de Ahorro y Crédito del segmento 1 de la ciudad de Ambato

Abstract

The investigation intends to demonstrate the incidence of Credit and Collection Policies over the Liquidity Indicators of Saving and Credit Cooperative Sector in Ambato; to the enforcement of this investigation project it was needed to rely on own methods to the type of investigation such as: interview, checklist and observation, with the aim of gathering relevant information to the variables submitted. These methods were applied to the credit staff of Institutions of Saving and Credit Cooperative Sector, Segment 1 in Ambato, in this way, it let us to get a preliminary diagnostic of the problem, which goal is to point out shortcomings in Credit and Collection Policies that influence on Liquidity to establish timely solutions that support the sector´s financial growth. The importance of Credit and Collection Policies fulfillment inside Cooperative Sector will be to control the process of granting credits and its collection in normal conditions, through it, the Liquidity Indicators will increase.