Control previo al segmento micro-crédito ordinario y su incidencia en la morosidad de la Cooperativa de Ahorro y Crédito Micro-Empresarial Sucre en el periodo 2018

Abstract

Cooperatives have had a growth in recent years, being regularized by the Superintendence of Popular and Solidarity Economy (SEPS), who is its regulatory and control body in all its activities, for this reason the need was born to investigate the prior control of the Prior control of the ordinary micro-credit segment and its impact on the delinquency of the Sucre Micro-Business Savings and Credit Cooperative in the 2018 period. In this investigation it was obtained that the cooperative presents a slight delinquency, but it presents problems in liquidity caused by the large amount of credits granted and the default of certain microcredits of ordinary consumption, although its policies and controls are based under its regulated body. It is necessary for the cooperative to apply more accurate and safe control and verification measures that allow lowering the delinquency level and refraining from granting too many credits, because this causes liquidity problems