THE INTERNAL CONTROL APPLIED IN THE GRANTING OF CREDITS AND RECOVERY OF OVERDUE PORTFOLIO OF THE COACS OF ECUADOR AND ITS ECONOMIC IMPACT

The investigation allowed to determine guidelines carry out a technical control in the granting of credits and recovery past due portfolio Savings Credit Cooperatives, thus perform an adequate management concession past-due loans.
 research design was executed with qualitative quantitative modality, inductive deductive method, interviews, surveys, field direct observation.
 With results obtained it is considered necessary apply correctly methods proposed access credit, efficient process for reduce follow up good analysis its verification granted as well Support meet needs partners improve their economic stability Institution.
 investigative work established that participation credit collection department Cooperatives entire team are fundamental elements implementation system technically designed evaluated procedures, suggesting should be exercised placement Recovery loans financial operations order fulfill institutional mission providing productive opportunities partners, contributing achieve corporate social responsibility.