"DISEÑO DE METODOLOGÍA PARA LA CAPTACIÓN Y COLOCACIÓN DE RECURSOS Y SU INCIDENCIA EN MINIMIZAR RIESGOS FINANCIEROS - CASO COOP. COACMES"

Abstract

The financial risks to which the Savings and Credit Cooperatives are exposed are due to nonappropriate methodologies used in financial intermediation, that is to say by the collection and placement of resources, altering indicators such as liquidity, solvency, delinquency, macroeconomic efficiency, financial intermediation , Financial efficiency, portfolio performance, and others. This research establishes a methodology that allows a better capture and placement of resources of COACMES partners with the purpose of minimizing financial risks, from a sample of 8 Savings and Credit Cooperatives in segments 2 and 3, to which As a result, 5 of them manage a methodology of analysis of several factors in the placement of credits, and that the rates of collection are the benchmarks by the Central Bank of Ecuador, while the Coop of the Case Study called COACMES , Only gives credit according to an internal score of the partner.