Financial sustainability through a collection management model
A case study in a savings and loan cooperative
DOI:
https://doi.org/10.56926/unaaaciencia.v3i1.61Keywords:
portfolio, finance, indicators, loans, recoveryAbstract
The objective of the research was to design a collection management model to increase the financial sustainability of the Cooperativa de Ahorro y Crédito del Oriente, Tarapoto. A mixed study was conducted, with a first quantitative phase to identify the indicators of financial sustainability and the existing collection management model, and a second qualitative phase for the formulation of the proposed model, carried out over a period of 16 months with a population of 32 business staff involved in the cooperative's collection process. It was found that the staff perceived that the dimensions of the collection management model related to soft skills, cooperativism and information were at a good level, while the dimension of regulations and instruments presented a fair level. A collection management model was proposed that contemplated the implementation of effective collection policies, the strengthening of the payment culture among members, and the improvement of information management. It is expected that the application of the proposed model will enable Cooperativa de Ahorro y Crédito del Oriente Tarapoto to improve its financial sustainability and meet its objectives.
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