Título de la propuesta o iniciativa: Desarrollo de un modelo de optimización para la gestión de cobranza ante incrementos en la morosidad en la Cooperativa de Ahorro y Crédito JEP durante el período 2025-2026.

Abstract

This study develops an optimization model for debt collection management at the JEP Savings and Credit Cooperative, in response to the delinquency increase from 4.2% in 2021 to 7.33% in 2025, which affects profitability and financial sustainability. Internal causes identified include insufficient risk management, outdated technological systems, and reactive processes, along with external factors such as inflation and income volatility. The chosen alternative is a comprehensive collection strategy based on advanced technology, featuring real-time monitoring, automated communications, and risk-based account prioritization to improve operational efficiency and reduce costs. The implementation plan, scheduled for July to December 2025, is structured into phases: diagnosis, planning, deployment, evaluation, and correction. Each phase includes specific activities, assigned responsibilities, indicators, and a detailed budget of $68,000 covering digital platform, consulting, and equipment. This approach allows rigorous control and adaptive management to adjust the project according to quantitative and qualitative results, ensuring financial and operational sustainability. The strategy modernizes debt collection by combining technology, data analysis, and training, with the expectation of reducing delinquency, lowering recovery costs, and strengthening the credit portfolio quality, contributing to the Cooperative’s sustainable growth in a complex economic environment.