El scoring en la calificación de operaciones activas de microcrédito en la Cooperativa de Ahorro y Crédito Ambato Ltda.

Abstract

The present investigation has to purpose design a scoring system to the qualification of the active microcredit operations to improve the process of analysis and granting of operations in the Cooperativa de Ahorro y Crédito Ambato Ltda., decreasing the credit risk. Accordingly, the currently situation of the credit portfolio is known, the procrastination in the financial institution was analyzed and it is proposed to develop a tool for credit scoring, with the purpose of manage the process of granting active operations and reduce credit risk has made a question close survey regarding if the entity has with a credit analysis system, directed to credit staff, it was applied to 10 people in which the information collected. Was verified through the T student. The investigation concludes, that the financial system is feasible and necessary, it is so in this case analysis has presented the design of the scoring in a software which is designed in web platform that can be used through in a web browser for development in visual studio program in punto net language was used, that allows to analyze in detail individually and to know clearly the risk that would entail granting a credit.