Políticas de recuperación de cartera en las EPS en épocas de crisis sanitaria.

Abstract

Savings and credit cooperatives play a very important role in the development of the financial system through the channeling, dynamization and optimization of resources perceived at the national level; however, an environment involved in a crisis situation can trigger problems both in the credit line and in liquidity, directly affecting the economy at the national level. Therefore, the main objective of this research is to know which are the portfolio recovery policies that are carried out in the EPS in times of health crisis; proposing a methodology with a qualitative approach by means of the deep analysis of this event that arises in the environment, and descriptive approach because the information to be analyzed is conclusive and timely. The development will consist of two perspectives, the theoretical one that will be based on the review of scientific journals and documents from reliable sources, and the practical one where the main banking transactions will be applied using as a reference the unique catalog of accounts issued by the Superintendence of Banks of Ecuador. According to the results obtained, it is concluded that the sanitary crisis generated many inconveniences at the financial level, therefore the main actions that were carried out for the recovery of the portfolio are the decrease of expenses, delimitation of charges, maximization of the term for the payment of overdue installments and decrease of the interest rate, thus generating effectiveness in the collection of the values and the sustainable and sustainable development of the financial institutions.