Propuesta metodológica para la mejora de la gestión financiera en la Caja de Ahorro y Crédito Comunitaria “Lider” ubicada en la parroquia San Antonio de Pichincha

Abstract

This proposal has the purpose of supporting the development and improvement of society and especially the parish of San Antonio de Pichincha, in recent times the popular and solidarity economy has had a great impact as people seek to form an association to work for themselves as the case of Leader a Savings and Credit Fund that was born with the vision of women entrepreneurs, dedicated to different commercial activities that sought financing alternatives either to improve their businesses or for the development of the family nucleus. With basic knowledge they decided to create their own social and solidarity organization that provides financing to the people who require it, contributing equally to the development of the community in general. On the initiative of the Provincial Council of Pichincha, the Solidarity finance program is created that provides financial advice to this type of industry with specialized technicians distributed throughout the province so that the financial management of the savings banks is as appropriate and transparent as possible, however it is important improve certain aspects at the financial level that will help the Fund to continue growing, therefore it is vital to implement new processes that minimize the risk that exists in this type of activity through the creation of credit policies, since the concentration of assets in the accounts by It should be controlled because the business depends clearly on the level of money available to guarantee placements and thus the rotation of cash, controlling the delinquency levels that, although it is at low levels, the economic situation of the country is contracted. important to safeguard the capital with which one works.