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El riesgo crediticio del producto crédito de consumo y la morosidad del sujeto de crédito de la Cooperativa de Ahorro y Crédito “Chibuleo” Ltda., en el período 2013.
(Universidad Técnica de Ambato. Facultad de Contabilidad y Auditoría. Carrera de Ingeniería Financiera, 2015-03) Apupalo Pullutasig, Rita del Carmen; DT - Arias Pérez, Mauricio Giovanny
The risk is identified as a threat to the achievement of the objectives of the cooperative and therefore, situations that may affect managers, investors and shareholders. The behavior towards risk, involves identification, prevention, monitoring, and measures, models and systems appropriate to avoid the uncertainty of default The objective of the research is to determine the impact of credit risk in the line of consume delinquency prevention of Savings and Credit Cooperative "Chibuleo", to propose solutions that will achieve a correct analysis of credit risk through field research surveys developed by defaulting partners, for testing the hypothesis we used the chi square statistic that leads to the conclusion that the credit process as stipulated in the policy manual or has applied bottlenecks, and do not use systems or mathematical method. The importance of the research lies in a proposal to be delivered efficiently to mitigate the risk of the loans for Savings Credit Cooperative "Chibuleo" and have high default rate decrease.