Estructuración de un portafolio de crédito en la Cooperativa Virgen del Cisne para el impulso del segmento microempresarial y artesanal.

Abstract

Due to the constant changes that the various social sectors are undergoing, every organization is faced with the need to improve day by day and meet the financing needs of the micro entrepreneurial and artisan sector. The purpose of this research is to structure a credit portfolio in the Cooperativa de Ahorro y Crédito Virgen del Cisne to promote the microentrepreneurial and artisan segment to contribute to the increase of credits in Guamaní area and thus achieve an increase in the number of members, this portfolio was designed to increase the income of the Cooperative by making known to the mentioned sectors the financial products and services that it can provide and at the same time solve the problem of financing faced by these sectors at the time of acquiring a credit. acquiring a loan. For this purpose, an internal and external analysis was carried out to identify the strengths, opportunities, weaknesses and strengths, opportunities, weaknesses, and threats. The analysis included a survey of the members of the COAC Virgen del Cisne to determine the strategies that should be applied. The approach was a mixed one, since the data were analyzed both qualitatively and quantitatively, obtaining the following information qualitative as well as quantitative, obtaining accurate data, using a longitudinal approach, since data longitudinal approach, since data were analyzed to identify the changes that have occurred over time, and a longitudinal approach was also used, an explanatory research was also used to identify the causes and effects that caused the causes and effects that influence a variation in the credit of the COAC Virgen del Cisne.