Planeamiento estratégico de la empresa Cooperativa de Ahorro y Crédito Santa María Magdalena
Date
2019-12-05
Journal Title
Journal ISSN
Volume Title
Publisher
Pontificia Universidad Católica del Perú
Abstract
Este documento tiene por finalidad elaborar el Planeamiento Estratégico de la
Cooperativa de Ahorro y Crédito Santa María Magdalena (CACSMM) que abarca un
horizonte de tiempo de cinco años (2019-2023), con el fin de consolidar su liderazgo en el
ámbito de las colocaciones a nivel de la Región Ayacucho tras 56 años al servicio de sus más
de 130,000 socios. Es importante mencionar que a partir del 1 de enero del 2019 entró en
vigor la nueva ley (30822) que tiene como factor principal la supervisión que tendrán las
cooperativas por parte de la superintendencia de Banca y Seguros.
Este plan estratégico se inicia con el establecimiento de la visión, misión, valores y
código de ética. Luego, se ha realizado el análisis del entorno financiero de la Región
Ayacucho, de donde se obtuvieron cinco oportunidades y cinco amenazas que influyen
directamente en la Cooperativa de Ahorro y Crédito Santa María Magdalena (CACSSM). Del
análisis del sector de las microfinanzas y de la competencia se obtuvieron cinco factores
clave de éxito, así mismo, del análisis interno se obtuvieron cinco fortalezas y cinco
debilidades. Los cuatro objetivos a largo plazo alineados a la visión de la cooperativa son: (a)
Al 2023, alcanzar colocaciones por S/230, 000,000. Al cierre del año 2018 las colocaciones
fueron por S/.187, 000,000; (b) Al 2023, reducir el nivel de morosidad a 4.00%. Al cierre del
año 2018 la morosidad fue de 7,90%; (c) Al 2023, obtener un resultado del ejercicio de S/.10,
000,000. Al cierre del año del 2018 el resultado del ejercicio fue de S/.3,069,000; (d) Al 2023
obtener un rendimiento sobre patrimonio (ROE) de 7,16%. Al 2018 el ROE fue de 2.16%. El
cumplimiento de estos objetivos a largo plazo será posible a través de la ejecución de 14
objetivos a corto plazo (OCP).
The purpose of this document is to prepare the Strategic Planning of the Santa María Magdalena Savings and Credit Cooperative (CACSMM) that covers a five-year time horizon (2019-2023), in order to consolidate its leadership in the field of loans at the level of the Ayacucho Region after 56 years serving its more than 130,000 members. It is important to mention that as of January 1, 2019 the new law (30822) entered into force, whose main factor is the supervision that cooperatives will have by the Superintendence of Banking and Insurance. This strategic plan begins with the establishment of the vision, mission, values and code of ethics. Then, the analysis of the financial environment of the Ayacucho Region was carried out, from which five opportunities and five threats were obtained that directly influence the Santa María Magdalena Savings and Credit Cooperative (CACSSM). Five key success factors were obtained from the analysis of the microfinance and competition sector, and five strengths and five weaknesses were obtained from the internal analysis. The four long-term objectives aligned with the vision of the cooperative are: (a) By 2023, reach placements of S / 230,000,000. At the end of the year 2018 the placements were for S / .187,000,000; (b) By 2023, reduce the delinquency level to 4.00%. At the end of 2018 the delinquency was 7.90%; (c) By 2023, obtain an income for the year of S / .10,000,000. At the end of the year of 2018 the result of the year was S / .3,069,000; (d) By 2023 obtain a return on equity (ROE) of 7.16%. At 2018 the ROE was 2.16%. The fulfillment of these long-term objectives will be possible through the execution of 14 short-term objectives (OCP).
The purpose of this document is to prepare the Strategic Planning of the Santa María Magdalena Savings and Credit Cooperative (CACSMM) that covers a five-year time horizon (2019-2023), in order to consolidate its leadership in the field of loans at the level of the Ayacucho Region after 56 years serving its more than 130,000 members. It is important to mention that as of January 1, 2019 the new law (30822) entered into force, whose main factor is the supervision that cooperatives will have by the Superintendence of Banking and Insurance. This strategic plan begins with the establishment of the vision, mission, values and code of ethics. Then, the analysis of the financial environment of the Ayacucho Region was carried out, from which five opportunities and five threats were obtained that directly influence the Santa María Magdalena Savings and Credit Cooperative (CACSSM). Five key success factors were obtained from the analysis of the microfinance and competition sector, and five strengths and five weaknesses were obtained from the internal analysis. The four long-term objectives aligned with the vision of the cooperative are: (a) By 2023, reach placements of S / 230,000,000. At the end of the year 2018 the placements were for S / .187,000,000; (b) By 2023, reduce the delinquency level to 4.00%. At the end of 2018 the delinquency was 7.90%; (c) By 2023, obtain an income for the year of S / .10,000,000. At the end of the year of 2018 the result of the year was S / .3,069,000; (d) By 2023 obtain a return on equity (ROE) of 7.16%. At 2018 the ROE was 2.16%. The fulfillment of these long-term objectives will be possible through the execution of 14 short-term objectives (OCP).
Description
Keywords
Instituciones financieras--Perú, Cooperativas--Perú