Políticas para disminuir el riesgo crediticio en las Cooperativas de Ahorro y Crédito en el distrito turístico y cultural de Riohacha

Abstract

In the tourist and cultural district of Riohacha, department of La Guajira, savings and credit cooperatives are a source of resources that serve to finance various business projects that improve people's income and quality of life. That is why these cooperatives are social assets that must be protected in order for them to maintain their operations normally. It should be a concern and a task of the academy to provide conceptual theoretical tools to define a better implementation of the policy for credit risk management in these entities. Methodologically, the research is classified as a descriptive field study, with a population of members of the credit and portfolio area of the savings and credit cooperatives in the district of Riohacha. A questionnaire was used as a data collection instrument, which was reviewed by five (5) experts in the area. Cronbach's Alpha coefficient was used to determine its reliability. The objective is to analyze the policies applied in credit risk management in the savings and credit cooperative sector in the tourist and cultural district of Riohacha. Theoretically supported by the postulates of the authors Lara (2005), Elizondo, A. (2004). Credit risk, Elizondo, A. and Altman, E, Gasol, M (2017), Gitman (2019), Sanchez, Inocencio (2016), Sebastian and Lopez (2020), Soley and Rahenma (2021). The objective of this study is to determine the policies for credit risk management in savings and credit cooperatives in the tourist and cultural district of Riohacha.