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Risks in placing credits. Case study: Coac textil “14 de marzo”

Abstract:

The context of the modern cooperative financial system, focuses its strategic vision on maintaining efficiency in risk manage-ment, for which the processes of credit placement allow its sustainability, in the present investigation surveys were applied to evaluate the administrative area of the Cooperativa de Ahorro y Crédito Textil 14 de Marzo, considering as main objective: To carry out an analysis of the risks in credit placement, after which financial strategies were derived that allow the cooperative government to: manage and reduce credit risk, reduce the high costs generated by the recovery of overdue portfolio by improving efficiency and adaptation to changes that occur in the economic, legal and operational context of the environment.