Publication: Gestión de créditos y calidad de cartera crediticia en cooperativa de ahorro y crédito Nuestra Señora del Rosario - Huamachuco, 2017
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Date
2018
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Universidad Nacional de Trujillo
Abstract
El objetivo general de la presente investigación fue determinar el grado de relación que existe entre la gestión de créditos y la calidad de cartera crediticia en la cooperativa en estudio. El problema de investigación fue ¿Cuál es el grado de relación que existe entre gestión de créditos ycalidad de cartera crediticia en cooperativa de ahorro y crédito Nuestra Señora del Rosario – Huamachuco, 2017? La población estuvo conformada por 20 analistas y 1730 socios, cuya muestra fue los 20 analistas y 315 socios. Para recolección de datos se utilizó la técnica de encuesta, cuyo instrumento fue el cuestionario. Se utilizó un diseño de investigación no experimental de tipo transeccional correlacional. Luego del análisis de los resultados se llegó a confirmar la hipótesis “La gestión de créditos tiene una correlación positiva alta con la calidad de cartera crediticia en cooperativa de ahorro y crédito Nuestra Señora del Rosario -Huamachuco, 2017”.La principal conclusión señala que el grado de relación que existe entre la gestión de créditos ha obtenido una relación (r) de 0.827 y un valor de significancia menor a 0.01,lo que nos demuestra que existe una correlación alta entre ambas variables. Se recomendó hacer evaluaciones constantes al personal sobre la aplicación de las políticas de crédito, realizar charlas o capacitaciones sobre concesión de créditos; así como capacitarlos en acciones de cobranzas para disminuir la morosidad.
Abstract: The general objective of the present investigation was to determine the degree of relationship between credit management and the quality of the loan portfolio in the cooperative under study. The research problem was: What is the degree of relationship between credit management and credit portfolio quality in credit union Our Lady of the Rosary - Huamachuco, 2017? The population consisted of 20 analysts and 1730 partners, whose sample was 20 analysts and 315 partners. For data collection, the survey technique was used, the instrument of which was the questionnaire. A non-experimental translational correlational type design was used. After the analysis of the results, the hypothesis “Credit management has a high positive correlation with the quality of the loan portfolio in our credit union Our Lady of the Rosary-Huamachuco, 2017” was confirmed. The main conclusion indicates that the degree of relationship that exists between credit management has obtained a ratio (r) of 0.827 and a significance value of less than 0.01, which shows that there is a high correlation between the two variables. It was recommended to make constant evaluations to the personnel on the application of the credit policies, to make talks or training on credit granting; as well as training them in collection actions to reduce late payments.
Abstract: The general objective of the present investigation was to determine the degree of relationship between credit management and the quality of the loan portfolio in the cooperative under study. The research problem was: What is the degree of relationship between credit management and credit portfolio quality in credit union Our Lady of the Rosary - Huamachuco, 2017? The population consisted of 20 analysts and 1730 partners, whose sample was 20 analysts and 315 partners. For data collection, the survey technique was used, the instrument of which was the questionnaire. A non-experimental translational correlational type design was used. After the analysis of the results, the hypothesis “Credit management has a high positive correlation with the quality of the loan portfolio in our credit union Our Lady of the Rosary-Huamachuco, 2017” was confirmed. The main conclusion indicates that the degree of relationship that exists between credit management has obtained a ratio (r) of 0.827 and a significance value of less than 0.01, which shows that there is a high correlation between the two variables. It was recommended to make constant evaluations to the personnel on the application of the credit policies, to make talks or training on credit granting; as well as training them in collection actions to reduce late payments.
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Keywords
Gestión de créditos, Calidad de cartera, Cartera crediticia