Gestión de riesgo de créditos y crecimiento empresarial en la cooperativa Nuestra Señora del Rosario, agencia Huamachuco, 2018 - 2020
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Date
2021
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Universidad Nacional de Trujillo
Abstract
La presente investigación tuvo como objetivo general, establecer la relación que existe entre la Gestión de riesgo de créditos y el crecimiento empresarial en la Cooperativa Nuestra Señora del Rosario, Agencia Huamachuco, periodo 2018-2020. Cuyo problema de investigación fue ¿Cuál es la relación que existe entre la gestión de riesgo de créditos y el crecimiento empresarial en la Cooperativa Nuestra Señora del Rosario, Agencia Huamachuco, período 2018-2020? El diseño de investigación que se utilizó fue no experimental, de diseño transeccional correlacional, la población se conformó por 1178 socios – clientes del área de Créditos, y la muestra fue de 290, a quienes se les aplicó la técnica de la encuesta, mediante el cuestionario. Entre los principales resultados se tiene que tanto la gestión de riesgos de créditos como el crecimiento empresarial califican a nivel regular, lo que significa que la entidad cuenta con debilidades y fortalezas, resaltando las debilidades en las políticas de cobranza y en las tasas de interés que cobra. Concluyendo que los factores de gestión de riesgo que tienen mayor relación con el nivel de crecimiento de la cooperativa, son las políticas de créditos y cobranza, pues a través de dichos indicadores, se puede medir la efectividad para manejar el proceso de otorgamiento de créditos, lo que va a permitir disminuir el nivel de morosidad, y permitir el crecimiento de la cooperativa.
ABSTRACT The general objective of this research was to establish the relationship between credit risk management and business growth in the Cooperativa Nuestra Señora del Rosario, Huamachuco Agency, period 2018-2020. Whose research problem was: What is the relationship between credit risk management and business growth in the Cooperativa Nuestra Señora del Rosario, Huamachuco Agency, period 2018-2020? The research design that was used was non-experimental, with a transectional correlational design, the population was made up of 1178 partners -clients of the Credit area, and the sample was 290, to whom the survey technique was applied, by means of the questionnaire. Among the main results are that both credit risk management and business growth qualify at a regular level, which means that the entity has weaknesses and strengths, highlighting the weaknesses in the collection policies and in the interest rates that cobra. Concluding that the risk management factors that are most closely related to the level of growth of the cooperative are the credit and collection policies, since through these indicators, the effectiveness of managing the credit granting process can be measured, which will allow to reduce the level of delinquency, and allow the growth of the cooperative.
ABSTRACT The general objective of this research was to establish the relationship between credit risk management and business growth in the Cooperativa Nuestra Señora del Rosario, Huamachuco Agency, period 2018-2020. Whose research problem was: What is the relationship between credit risk management and business growth in the Cooperativa Nuestra Señora del Rosario, Huamachuco Agency, period 2018-2020? The research design that was used was non-experimental, with a transectional correlational design, the population was made up of 1178 partners -clients of the Credit area, and the sample was 290, to whom the survey technique was applied, by means of the questionnaire. Among the main results are that both credit risk management and business growth qualify at a regular level, which means that the entity has weaknesses and strengths, highlighting the weaknesses in the collection policies and in the interest rates that cobra. Concluding that the risk management factors that are most closely related to the level of growth of the cooperative are the credit and collection policies, since through these indicators, the effectiveness of managing the credit granting process can be measured, which will allow to reduce the level of delinquency, and allow the growth of the cooperative.
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Keywords
Riesgo crediticio, Políticas de cobranza, Crecimiento empresarial