Desarrollo de un scoring de microfinanzas para las cooperativas de ahorro y crédito para los segmentos 2-5. Caso COAC Textil 14 de Marzo

Abstract

The development of the Microfinance Scoring is directed to the Savings and Credit Cooperatives of segment 2 - 5 that make up the Superintendency of Popular and Solidarity Economy. In this project, COAC Textil 14 de Marzo was chosen as the case study and the microcredit product was chosen because of the high impact it generates in profitability to the cooperatives and also the high risk that this type of financial product has. The Microfinance Scoring will be a tool that the Savings and Credit Cooperatives will have in the selection of the potential client, this predictive tool will help us to select good partners that will contribute to the growth of the portfolio without any risk and to separate the bad partners that could have a behavior not to pay obligations in a timely manner to the counterparty. The use of this financial tool will help the growth of the largest asset held by the Savings and Credit Cooperatives that the credit portfolio, minimizing risk, decreasing the provision of the portfolio, increasing the level of coverage of the credit portfolio and increasing the profitability for the good placement that is made with this tool.