Metodología para la valoración en la toma de decisiones y cumplimiento en las operaciones de crédito en la Cooperativa de Ahorro y Crédito Surangay Ltda

Abstract

Abstract: The present investigation aims to develop a methodology for decision-making and compliance in credit operations of "Surangay" Ltda. Savings and Credit Cooperative. A descriptive analytical research design was carried out using a mixed approach, which included interviews with personnel involved in the area. In the quantitative evaluation conducted through financial indicators, it was determined that the entity exhibits a solid financial health, evidenced by a lower-than-average delinquency rate. However, in the qualitative aspect, the absence of a credit destination validation document and the lack of a credit manual were highlighted. Based on these findings, it is proposed to implement a credit destination validation document and a collection manual. This work proposes improvements for the credit process in the cooperative, based on a comprehensive diagnosis and a detailed evaluation, supported by a rigorous research design.