Informe

UNIVERSIDAD CRISTIANA EVANGÉLICA EVANGÉLICA NUEVO MILENIO LA ESPERANZA

INFORME DE PRACTICA PROFESIONAL REALIZADA EN:

COOPERATIVA MIXTA MUJERES UNIDAS LIMITADA “COMIXMUL” LA ESPERANZA INTIBUCÁ POR: ANGEL AUGUSTO PINEDA GONZALºEZ A LA UNIVERSIDAD CRISTIANA EVANGÉLICA EVANGÉLICA NUEVO MILENIO PREVIO A LA OBTENCIÓN DEL TÍTULO DE:

LICENCIATURA LICENCIATURA EN ADMINISTRACIÓN ADMINISTRACIÓN DE EMPRESAS

LA ESPERANZA INTIBUCÁ

SEPTIEMBRE DEL 2012

HONDURAS, C, A.

UNIVERSIDAD CRISTIANA EVANGÉLICA EVANGÉLICA NUEVO MILENIO

LA ESPERANZA

INFORME DE PRACTICA PROFESIONAL REALIZADA EN:

COOPERATIVA MIXTA MUJERES UNIDAS LIMITADA “COMIXMUL” LA ESPERANZA INTIBUCÁ POR: ANGEL AUGUSTO PINEDA GONZALEZ A LA UNIVERSIDAD CRISTIANA EVANGÉLICA EVANGÉLICA NUEVO MILENIO PREVIO A LA OBTENCIÓN DEL TÍTULO DE:

LICENCIATURA LICENCIATURA EN ADMINISTRACIÓN ADMINISTRACIÓN DE EMPRESAS

LA ESPERANZA INTIBUCÁ

HONDURAS, C, A.

SEPTIEMBRE DEL 2012

AUTORIDADES DE LA UNIVERSIDAD CRISTIANA EVAN!LICA EVAN!LICA

NUEVO MILENIO A"#. M$%&$ A'()'*$ F+%''-+ -+ S/$) Rectora D). M$%*' R*+%$ Vce!Rectora A"#. L/* $3+$') Secretaro Ge"era# I'#. R)3-$' S/$) Drector A$%"&trat'o A"#. N+3)' L45+ A&e&or Le(a# I'#. L+)'+3 A6$3$ F3)%+ Drector $e I"'e&t(ac)" U"'er&tara L*. 7$(8+%*'+ P))3 Drectora $e E*te"&)" U"'er&tara L*. A%*+3 B+'&(+ Drector $e Doce"ca U"'er&tara + De&arro##o E&t,$a"t# L*. E5+%$'$ 49+ Drecc)" a D&ta"ca I'#. P$/3 Z+3$6$ Drector $e I"-or%.tca + So/orte T0c"co D%$. O3#$ A#/*3$% Coor$"a$ora Área $e #a Sa#,$

INDICE

De$catora

Pa(1

2

A(ra$ec%e"to

Pa(1

3

I"tro$,cc)"

Pa(1

4

Re&,%e" e5ec,t'o

Pa(1

6

CAPITULO I

Pa(1

7

21

Ge"era#$a$e& $e #a e%/re&a

Pa(1

8

212

9&tora $e #a coo/erat'a

Pa(1



21212 ;,e"e& &o%o&

Pa(1



21213 N,e&tra '&)"

Pa(1

<

21214 N,e&tra %&)"

Pa(1

<

A&/ecto&

Pa(1

<

21312 O=5et'o&

Pa(1

<

21313 O=5et'o& e&tat,aro& $e ",e&tra coo/erat'a

Pa(1

<

21314 Act'$a$e& /r"c/a#e&

Pa(1

>

21316 Co=ert,ra COMI?MUL

Pa(1

2@

21317 Be"e-co& ,e o-rece COMI?MUL

Pa(1

2@

21318 Ser'co& ,e /re&ta COMI?MUL

Pa(1

22

2131 Pro(ra%a& $e ca/actac)"

Pa(1

23

A1 Meta& /ara e# ao 3@23

Pa(1

23

B1 Ta##ere& t0c"co& e%/re&ara#e&

Pa(1

23!26

2131< Área $e %erca$eo

Pa(1

26

214

Pa(1

27

21412 Per-# o/erat'o + e&tr,ct,ra or(."ca

Pa(1

27

21413 ,"ta $rect'a ao 3@23

Pa(1

28

21414 ,"ta $e '(#a"ca ao 3@23

Pa(1

28

213

Or(a"(ra%a

216

217

21416 A&a%=#ea (e"era#

Pa(1

28

21417 Co"&e5o $e a$%"&trac)"

Pa(1

2!2<

21418 Co"&e5o $e '(#a"ca

Pa(1

2>!3@

2141 Co%&)" $e cr0$to

Pa(1

32

2141< Pre&$e"te $e #a coo/erat'a

Pa(1

32

2141> Gere"te

Pa(1

33!34

21412@ Co%&)" $e a&,"to& &oca#e&

Pa(1

36

214122 Co%&)" $e e$,cac)"

Pa(1

36!37

Po#tca& + /roce$%e"to&

Pa(1

38

21612 CaracterFac)" $e &, %e%=re&a

Pa(1

38

21613 Crec%e"to -"a"cero

Pa(1

38

E&trate(a&

Pa(1

3

21712 Pro(ra%a& + /ro+ecto&

Pa(1

3

21713 Pro(ra%a&

Pa(1

3!3<

21714 Pro+ecto&

Pa(1

3>

A1 Ta##er $e e&/eca#Fac)" $e '"o&

Pa(1

3>

B1 I"&ta#ac)" $e ,erto& -a%#are&

Pa(1

3>

C1 N'e#e& $e #a ca/actac)" %o$,#ar

Pa(1

4@

D1 Pro(ra%a $e &a#,$

Pa(1

42

218

Co%/ete"ca

Pa(1

42

21

C#e"te&

Pa(1

43!44

CAPITULO II

Pa(1

46

31

Act'$a$e& a&("a$a& $,ra"te e# /ero$o $e /r.ctca

Pa(1

46

312

Per-# $e# a"a#&ta $e cr0$to

Pa(1

47

313

Act'$a$e& rea#Fa$a&

Pa(1

47

314

Ser'co $e cr0$to

Pa(1

48!4<

316

De&e%/eo -"a"cero

Pa(1

4>

317

Protecc)" a# c#e"te

Pa(1

6@!62

318

S,5eto $e cr0$to

Pa(1

63

31

No ca#-ca=#e& $e cr0$to

Pa(1

64

31<

Nor%a& $e cr0$to

Pa(1

66

31>

Proce$%e"to& /ara otor(ar cr0$to a &oca&

Pa(1

66!67

312@

Scor"(

Pa(1

68

3122

P#a" $e "'er&)"

Pa(1

6

3123

Re&,%e" /#a" $e "'er&)"

Pa(1

6

3124

Pro+ecc)" $e "(re&o& + e(re&o& %e"&,a#

Pa(1

6

3126

A'&o $e "ota recor$atoro& $e 'e"c%e"to

3127

Co=ro 5,$ca#

Pa(1

6< Pa(1

6>

Pa(1

7@

o /roce&o& e" #a e%/re&a

Pa(1

7@

412

I"tro$,cc)"

Pa(1

72

413

P#a"tea%e"to $e# /ro=#e%a

Pa(1

72

41412 Pre(,"ta& $e "'e&t(ac)"

Pa(1

73

41413 P#a" $e reco#ecc)" $e "-or%ac)"

Pa(1

73

414

O=5et'o (e"era#

Pa(1

74

416

O=5et'o& e&/ec-co&

Pa(1

74

417

,&t-cac)"

Pa(1

74

418

Marco te)rco

Pa(1

76

41812 La /re&)" $e #a co%/ete"ca

Pa(1

76!77

CAPITULO III 41

A/ortaco"e& /ara %e5orar #o& /roce$%e"to&

41813 H#o&o-a or(a"Faco"a#

Pa(1

78

41814 Lo& 'a#ore&

Pa(1

78

41816 E&trate(a $e# %aret"(

Pa(1

7

41817 Po&co"a%e"to

Pa(1

7<

41818 D-ere"cac)"

Pa(1

7<

4181 É"-a&& + -#e*=#$a$

Pa(1

7>!8@

4181< Pro%oc)"

Pa(1

82

4181> P,=#c$a$

Pa(1

82

A1 C,a#$a$e& $e #a /,=#c$a$

Pa(1

83

B1 C#a&-cac)" $e #a /,=#c$a$

Pa(1

83

C1 O=5et'o& $e #a /,=#c$a$

Pa(1

84

D1 T/o& $e /,=#c$a$

Pa(1

84

E1 P,=#c$a$ /ara #a COMI?MUL

Pa(1

86

Pa(1

87

A1 9o5a& 'o#a"te&

Pa(1

88

B1 Ca"a# $e $&tr=,c)"

Pa(1

88

418122 T/o& $e &oco&Jc#e"te&

Pa(1

88

418123 I"'e&t(ac)" e*/#oratora

Pa(1

8

418124 Hor%,#ac)" $e /)te&&

Pa(1

8<

418126 De&cr/c)" $e 'ara=#e

Pa(1

8<

418127 Vara=#e "$e/e"$e"te

Pa(1

8<

41

Co"c#,&o"e&

Pa(1

8>

41<

Reco%e"$aco"e&

Pa(1

@

41>

Re&,%e"

Pa(1

2

412@

A"e*o&

Pa(1

3

41812@ Matera#e& /,=#ctaro&

21 A,torFac)" $e e"tre(a $e cr0$to 31 E&ta$o $e &o#ct,$ $e cr0$to 41 E&cor"( 61 So#ct,$ $e cr0$to 71 E&ta$o -"a"cero 81 P#a" $e "'er&)" 1 Co"&ta"ca $e# a"a#&ta $e cr0$to <1 A,torFac)" >1 Co"&ta"ca 2@1 Co"&ta"ca &o=re car#a rec=$a 221 Pr%er re,er%e"to $e /a(o 231 Se(,"$o Re,er%e"to $e /a(o 241 Tercer re,er%e"to $e /a(o 261 Ctac)" 271 E"c,e&ta a/#ca$a a #a& &oca& $e COMI?MUL

Pa(1 4 Pa(1 6 Pa(1 7!8 Pa(1 !< Pa(1 > Pa(1 <@ Pa(1 <2 Pa(1 <3 Pa(1 <4 Pa(1 <6 Pa(1 <7 Pa(1 <8 Pa(1 < Pa(1 << Pa(1 <>!>3

Informe de Practica Profesional

DEDICATORIA

A Do& ,0" &,/o (,ar%e /or e# =,e" ca%"oK $ar%e -,erFa& /ara &e(,r a$e#a"te + "o $e&%a+ar e" #o& /ro=#e%a& ,e &e /re&e"ta=a"K e"&e."$o%e a e"carar #a& a$'er&$a$e& &" /er$er ","ca #a $("$a$ " $e&-a##ecer e" e# "te"to1 A % %a$re /or &, a/o+oK co"&e5o&K co%/re"&)"K a%orK a+,$a e" #o& %o%e"to& $-c#e&K + /or a+,$ar%e co" #o& rec,r&o& "ece&aro& /ara e&t,$ar1 Me a $a$o to$o #o ,e &o+ co%o /er&o"aK %& 'a#ore&K %& /r"c/o&K % car.cterK % e%/eoK % /er&e'era"caK % cora5e /ara co"&e(,r %& o=5et'o&1 A %& er%a"o& /or e&tar &e%/re /re&e"te&K aco%/a."$o%e /ara /o$er rea#Far%e co%o /ro-e&o"a#1 A %& co%/aero& + co%/aera& /or &, &o#$ar$a$K co%/aer&%o + a%&ta$K a #o& t,tore& /or co%/artr &,& co"oc%e"to& + &a=$,ra co%o ta%=0" =r"$ar &, a%&ta$K co"-a"Fa + co%/re"&)"K a to$o e# /er&o"a# ,e #a=ora /ara #a U"'er&$a$1


ARADECIMIENTO

E" /r%er #,(ar #e a(ra$eFco a Do& /or $ar%e &a#,$ ca$a $a + #a &a=$,ra "ece&ara /ara /o$er rea#Far % tra=a5o + /o"er e" /r.ctca #o& co"oc%e"to& rec=$o& $,ra"te e# te%/o $e e&t,$o e" #a UCENMK ta%=0" a(ra$eFco a #o& t,tore& ,e %e %/artero" c#a&e& /or a=er co%/art$o &,& co"oc%e"to& + a%&ta$1 A #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MUL e&/eca#%e"te a# &eor (ere"te + a to$o &, e,/o $e co#a=ora$ore& /or &, a/orte e" #a co#a=orac)" =r"$a$a e" e# /roce&o $e e5ec,c)" $e #a te&& + ,e &" &, a+,$a "o ,=era &$o /o&=#e a#ca"Far #o& re&,#ta$o& e&/era$o&1 Ta%=0" a(ra$eFco a % %a$reK er%a"o& + a to$a % -a%#aK /or e# a/o+o ,e %e a" =r"$a$o ta"to e&/rt,a#K e%oco"a# + $e co%/re"&)" e" #o& %o%e"to& ,e e /a&a$o e" e# /roce&o $e % /r.ctca /ro-e&o"a#1 A to$o e# /er&o"a# ,e #a=ora /ara #a ,"'er&$a$ $e&$e e# coor$"a$or $e ",e&tra &e$e a&ta &, rectora (e"era#K /or (e"erarK a$%"&trar + acer ##e(ar #a e$,cac)" &&te%.tca &,/eror a&ta ",e&tro $e/arta%e"to1


INTRODUCCION E" 9o"$,ra&K e# coo/erat'&%o 5,e(a ," /a/e# %,+ %/orta"te e" e# $e&arro##o eco")%co $e# /a&K %ot'a$o /or e# "cre%e"to $e# co%erco + #a "$,&traK + e&ta=#ec0"$o&e co%o /r"c/o =.&co #a a+,$a %,t,a1 E&ta act'$a$ &e a (e"era$o $e=$o a# /oco a/o+o -"a"cero + =a5a ca/ac$a$ $e co%erca#Fac)" $e #a /e,ea + %e$a"a e%/re&a + co%o c,a#,er e"t$a$ "$,&tra#K -"a"cera o co%erca# &e e"c,e"tra a %erce$ $e #o& ca%=o& eco")%co& + /o#tco& ,e &e /re&e"ta"K ta# e& e# ca&o $e #a (#o=a#Fac)" ,e &e %a"-e&ta co%o ," -e")%e"o eco")%co "ter"aco"a# + &,& e-ecto& &e %,e&tra" ," ta"to %/re$ec=#e&K +a ,e e" a#(,"o& ca&o& a%e"aFa co" e*/o&co"e& a co%/ete"ca& a/#a&ta"te&1 E# /re&e"te tra=a5o &e rea#F) co" e# a-." $e $ar a co"ocer e# $e&arro##o a#ca"Fa$o /or #a Coo/erat'a M*ta M,5ere& U"$a& L%ta$a COMI?MUL co%o re&,#ta$o $e #o& ca%=o& eco")%co& + co%erca#e& "cta$o& /or e# %o'%e"to (#o=a#Fa$or1 E&/ec-ca%e"te % tra=a5o -,e e"-oca$o e" e# .rea $e cr0$to& $e #a coo/erat'aK #o& "&tr,%e"to& t0c"co& + co"ta=#e& a$o/ta$o&K #a $'er&$a$ $e #o& &er'co& ,e /re&ta"K #a e*/a"&)" $e ce"tro& $e ate"c)" a& co%o $e &,& &er'co&1 Se $e&cr=e" ca&o& &o=re #o& &er'co& %/#e%e"ta$o&K /ara /er-ecco"ar #a ate"c)" + a& ta%=0" co%/etr $e ,"a %e5or -or%a $e"tro $e# &ector -"a"cero a# c,a# /erte"ece"1 E" #a act,a#$a$ #a& Coo/erat'a& a" #o(ra$o c,=rr #a& "ece&$a$e& /artc,#are& o co%erca#e& $e %,ca& /er&o"a&K /re&e"ta"$o %a+ore& =e"e-co& /ara &,& a&oca$o& e" co%/arac)" a #a& $e%.& "&tt,co"e& -"a"cera& + a ," co&to %e"or1 S co"&$era%o& e# reto ,e %/#ca /ara #a& e%/re&a& "aco"a#e&K #a #=era#Fac)" $e -ro"tera& co%erca#e&K caere%o& e" #a c,e"ta $e ,e #a (#o=a#Fac)" "o e& ," %o'%e"to co%erca# o eco")%co o/tat'oK e# c,a# $a #a o/c)" a /artc/ar o "o e" 0#K +a ,e %,"$a#%e"te #a& e%/re&a& &e 'e" &o%et$a& a %/#e%e"tar ",e'o& "&tr,%e"to& + /o#tca& ,e coa$+,'e"K & "o a &,/erar a #a co%/ete"ca /or #o %e"o& a %a"te"er&eK /,e& $e #o co"traro a-ectara "o &o#o a e&ta& & "o a# /a& e" (e"era#K e# c,a# /o$ra caer a" %.& e" e# &,=$e&arro##o ,e /or ta"to& ao& &e a %a"-e&ta$o1


RESUMEN EJECUTIVO E# /re&e"te /#a" e&trat0(co $e %aret"( /rete"$e co"&e(,r ,e La Coo/erat'a M*ta M,5ere& U"$a& L%ta$a COMI?MUL #$ere $e"tro $e# %erca$o -"a"ceroK ,t#Fa"$o "te(ra#%e"te #o& /roce&o& "'o#,cra$o& e" #a& .rea& $e %erca$eo + creac)" $e re#aco"e& co" #a& &oca&K ta#e& co%o: co%/orta%e"to $e# co"&,%$orK "'e&t(ac)" $e %erca$o&K "ece&$a$e& $e /ro$,cto + &er'coK co%,"caco"e& "te(ra$a& K 'e"ta& + &at&-acc)" + #ea#ta$ $e# c#e"te Ka/#ca"$o co"oc%e"to& t0c"co& + (ere"ca#e& a'a"Fa$o&K "ece&aro& /ara ,"a e-ect'a (e&t)" or(a"Faco"a#1 E& "ece&aro e"te"$er #a "ece&$a$ $e ce"trar #a ate"c)" $e #a e%/re&a + #o& e&-,erFo& $e %erca$eo e" &at&-acer + $e#etar a# c#e"te + e# %erca$o co%o ,"a 'a /ara $e&arro##ar 'e"ta5a& $-ere"ca#e& &o&te"=#e&1 D&ea"$o ,"a e&trate(a $e %erca$eo a corto + %e$a"o /#aFoK coere"te& co" #a $recc)" e&trat0(ca $e #a e"t$a$ -"a"cera + #a $".%ca $e# %erca$o ,e (ara"tce" ,"a %e5or /o&c)" co%/ett'a1 L$erar ," a%=e"te $e tra=a5o coo/erat'o a tra'0& $e #a (ere"ca /artc/at'a /ara /o&co"ar correcta%e"te e# &er'co e" e# %erca$o co"&&te e" acer#o %.& $e&ea=#eK co%/at=#eK ace/ta=#e + re#e'a"te /ara e# &e(%e"to %etaK $-ere"c."$o#o $e# o-rec$o /or #a co%/ete"ca e& $ecrK o-recer #o& &er'co& ,e &ea" e-ect'a%e"te /erc=$o& /or #a& &oca&1 U" &er'coK a# e&tar =e" /o&co"a$oK ace ,e e# &e(%e"to #o $e"t-,e /er-ecta%e"te co" ,"a &ere $e $e&eo& + "ece&$a$e& e" &, /ro/a e&ca#a $e 'a#ore&K ace"$o ,e e# (ra$o $e #ea#ta$ $e# %&%o &ea %a+or + %.& -,erte re&/ecto a #o& o-rec$o& /or #o& co%/et$ore&


CAP:TULO I 1. ENERALIDADES DE LA EMPRESA


1.1 HISTORIA DE LA COOPERATIVA MIXTA MUJERES UNIDAS LIMITADA “COMIXMUL” La coo/erat'a %*ta $e %,5ere& ,"$a& #%ta$a COMI?MUL "ace e" e# ao 2><8 co%o ," /ro+ecto $e cr0$to& &o#$aro& e"tre ," (r,/o $e 23 %,5ere& 'e"$e$ora& $e -r,ta&K 'er$,ra& + ac"era& $e# %erca$o Sa" Pa=#o $e #a c,$a$ $e S(,ate/e,e1 H,e a&ta e# 23 $e a(o&to $e 2>>2K ,e o=t,'ero" &, /er&o"a#$a$ 5,r$caK co" N%ero 8< $e# re(&tro "aco"a# $e coo/erat'a& + ",e&tra o-c"a ce"tra# e&t. e" #a c,$a$ $e S(,ate/e,eK $e/arta%e"to $e Co%a+a(,a1!N,e&tra& act'$a$e& /r"c/a#e& &o" e# aorroK /r0&ta%o + ca/actac)" /ara #a& a-#a$a&1 D,ra"te #o& #t%o& c,atro ao& &e o=&er'a ," crec%e"to co"&ta"te e" e# "%ero $e e%/#ea$o& $e #a COMI?MUL1 A -"a#e& $e# 3@22K #a coo/erat'a c,e"ta co" 3@@ e%/#ea$o& $e #o& c,a#e& e# 77 &o" %,5ere&K e# 6@ $e e##a& oc,/a" car(o& (ere"ca#e&1 Ta# co%/o&c)" $e# /er&o"a# tota# %,e&tra ," =,e" =a#a"ce $e (0"ero1 A$e%.& #a coo/erat'a "o c,e"ta co" ," &&te%a $e e"tre'&ta& $e &a#$a $e# /er&o"a# + ," re(&tro $e #a& ca,&a& /r"c/a#e& $e #a& &a#$a& ,e #e /er%tera te"er retroa#%e"tac)" e" e&ta .rea1 S" e%=ar(oK #a& raFo"e& /r"c/a#e& $e &a#$a $e #o& o-ca#e& $e cr0$to $e&$e e# /,"to $e '&ta $e# .rea $e rec,r&o& ,%a"o& -,ero" e# $e&/$o /or "c,%/#%e"to $e #a& %eta& + /o#tca& "&tt,co"a#e& + &ec,"$ara%e"te ,"a& e*(e"ca& /er&o"a#e& co%o #a 'o#,"ta$ $e &e(,r e&t,$a"$oK o #a "ece&$a$ $e r&e a otra #oca#$a$1 E# c#%a #a=ora#e& =,e"o + e# %o"toreo $e #a e'a#,ac)" a")"%a ,e &e ##e'a a ca=o /or -#a# $o& 'ece& a# ao1 E# -or%,#aro re&,#ta co%/#eto + a=arca /re(,"ta& &o=re #a& re#aco"e& co" #o& co%/aero& $e tra=a5o + #o& 5e-e&K o #a& /o&=#$a$e& $e $e&arro##o "ter"o1 Lo& re&,#ta$o& &o" co%/art$o& co" #a (ere"ca %e$a"te ," "-or%e1 Ca=e re&a#tar ,e e*&te ," -,erte &e"t%e"to $e /erte"e"ca #o c,a# -o%e"ta #a %ot'ac)" $e #o& e%/#ea$o&1 E"tre #o& =e"e-co& a$co"a#e& $e #o& c,a#e& (oFa" #o& e%/#ea$o& a+ ,e %e"co"arK e# &e(,ro $e '$a + e# &e(,ro %0$co 32K e# re(a#o $e c,%/#%e"to


$e %eta& =a&a$o e" e# $e&e%/eo $e #o& e%/#ea$o& 33 K e# =o"o $e 'acaco"e&K #a ce#e=rac)" $e $a& -e&t'o& + act'$a$e& recreat'a&1 A$e%.&K to$o& #o& e%/#ea$o& /,e$e" &o#ctar =eca& /ara &, /ro/a carera e&co#ar o #a $e &,& 5o&1 Lo& /roce&o& $e e'a#,ac)" $e# /er&o"a# &e a" re"o'a$o rec0" /#a" $e carrera e&tr,ct,ra$o1 La e'a#,ac)" $e# co"5,"to $e #o& e%/#ea$o& &e ##e'a a ca=o ,"a 'eF a# ao1 E# /er&o"a# $e ca%/o e& e'a#,a$o /or #o& (ere"te& $e &,c,r&a# e" co#a=orac)" co" e# (ere"te $e /ro%oc)" + cr0$to %e"tra& ,e e# e,/o (ere"ca# e& e'a#,a$o /or #a (ere"te (e"era#1 E# $oc,%e"to $e #a e'a#,ac)" a",a# /re'0 ,"a /arte ,e co"&$era #a& o/ort,"$a$e& $e $e&arro##o + $e crec%e"to "ter"o1 Por /o#tca "ter"aK #a coo/erat'a ac,$e e" /r%er #,(ar a co"&,#tar #o& rec,r&o& ,%a"o& "ter"o& co" e# -" $e $ar o/ort,"$a$ $e /ro%oc)" a# /er&o"a# e*&te"te1 La& act'$a$e& $e -or%ac)" $e# /er&o"a# &o" a$ec,a$a& ca/actaco"e& =r"$a$a& ta"to /or /er&o"a# "ter"o co%o /or "&tt,co"e& + /ro-e&o"a#e& e&/eca#Fa$o&1 Lo& e%/#ea$o& $e #a Coo/erat'a a" /artc/a$o& a a#re$e$or $e 37 e'e"to& $e ca/actac)" e*ter"a /ara ," tota# $e 7@@ ora& $e ca/actac)" a to$o& #o& "'e#e& $,ra"te e# 3@221

1.1.1 ;UIENES SOMOS COMI?MUL e& ,"a coo/erat'a $e /r%er (ra$oK $e re&/o"&a=#$a$ #%ta$aK $e $,rac)" "$e-"$aK co" a,to"o%a a$%"&trat'aK -,"co"a# + t0c"caK co" /atr%o"o /ro/oK ,e "o& re(%o& /or #a #e+ $e coo/erat'a& $e 9o"$,ra& + &, re(#a%e"toK a& co%o /or #o& e&tat,to& a/ro=a$o& e" ",e&tra a&a%=#ea $e co"&tt,c)"1 E" e# co"te*to $e# %o'%e"to coo/erat'&ta "aco"a#K &e co"&$era co%o ,"a or(a"Fac)" &, (0"er&K &e $e&arro##a "&/ra$a e" #a #,ca /or &,/erar #a& #%taco"e& + $-c,#ta$e& ,e e"-re"ta #a %,5er o"$,rea1


E" co"&ec,e"ca &, co"ce/c)"K or(a"Fac)" + o=5et'o& &e -or5a" co" ," e#e'a$o e&/rt, $e (0"eroK coa$+,'a"te a %e5orar #a& co"$co"e& &oca#e&K eco")%ca& + c,#t,ra#e& $e #a %,5er ca%/e&"a + .rea& e" 'a& $e $e&arro##o $e #a& c,$a$e& + co%,"$a$e& ,e ate"$e%o&1

1.1.2 NUESTRA VISION Ser ,"a or(a"Fac)" -orta#ec$a -"a"cera + &oca#%e"teK a/o+a"$o e# $e&arro##o $e #a& %,5ere& + &,& -a%#a& a tra'0& $e #a /re&tac)" $e &er'co& co" e*ce#e"ca1

1.1.< NUESTRA MISION So%o& ,"a or(a"Fac)" coo/erat'a $e %,5ere&K ,e =r"$a &er'co& -"a"cero&K $e ca/actac)" + a&&te"ca t0c"ca $e -or%a o/ort,"a /ara #o(rar #a &,/erac)" eco")%caK &oca# + c,#t,ra# $e ",e&tra& a-#a$a&1

1.2 ASPECTOS 1.2.1 OBJETIVOS 1.2.2LOS OBJETIVOS ESTATUARIOS DE LA COOPERATIVA SON LOS SIUIENTES= 21 Me5orar #a co"$c)" eco")%caK &oca# + c,#t,ra# $e #a& coo/erat'&ta& + $e #a co%,"$a$ e" ,e te"e /re&e"ca1! Te"e e# ra%o $e aorro + cr0$to co%o act'$a$ /r"c/a#K te"e"$o /re'&to $e$car&e a otra& act'$a$e& /er%t$a& /or #a #e+ $e coo/erat'a& $e 9o"$,ra& + &, re(#a%e"to1 31 A,%e"tar e# /atr%o"o $e #a& coo/erat'&ta&K "cre%e"ta"$o #a /ro$,cc)" + #a /ro$,ct'$a$K e&t%,#o $e# aorroK #a "'er&)"K e# tra=a5oK + #a &a"a ,t#Fac)" $e# cr0$to1 41 A,%e"tar #a re"ta "aco"a# + /ro/orco"ar e%/#eo1 61 I"cre%e"tar + $'er&-car #a& e*/ortaco"e&1


71 E&t%,#ar "cat'a "$'$,a# + co#ect'aK #a &o#$ar$a$K #a a,toa+,$a + e# e&/rt, $e re&/o"&a=#$a$ e" #a /o=#ac)" /ara co"tr=,r a #a &o#,c)" $e #o& /ro=#e%a& eco")%co&K &oca#e& "$'$,a#e& + "aco"a#e&1 81 Coa$+,'ar co" e# e&ta$o + &,& "&tt,co"e& e" #a e#a=orac)" + e5ec,c)" $e #o& /#a"e& $e $e&arro##o eco")%co + &oca#1 1 Ho%e"tar #a e$,cac)" coo/erat'&ta1 <1 Ho%e"tar #a e*/a"&)" $e# %o'%e"to coo/erat'&ta + &, "te(rac)" a to$o& #o& "'e#e&1 >1 Ho%e"tar #a /ro/e$a$ &oca# $e #a coo/erat'a a tra'0& $e #a a$,&c)" + a$%"&trac)" $e =e"e& e" -or%a co#ect'a1

1.2.< ACTIVIDADES PRINCIPALES 21 Rec=r $e/)&to& $e aorro $e &,& coo/erat'&ta& + $e# /=#co1 31 Rec=r a/ortaco"e& or$"ara& + e*traor$"ara&1 41 Otor(ar /r0&ta%o& a &,& coo/erat'&ta& + otra& coo/erat'a&1 61 Ge&to"ar + ca"a#Far rec,r&o& -"a"cero& $e /er&o"a& "at,ra#e& + 5,r$ca&K "aco"a#e& e "ter"aco"a#e&1 71 Pro%o'er + -"a"car /ro+ecto& /ro$,ct'o&1 81 A#%ace"arK e"'a&arK tra"&/ortarK -a=rcarK "$,&tra#Far + co%erca#Far #o& /ro$,cto& $e #a coo/erat'a + &,& coo/erat'&ta& e" e# %erca$o "ter"o + e*ter"o1 1 P#a"-car + e5ec,tar #o& /ro+ecto& a=taco"a#e& a &,& coo/erat'&ta&1 <1 Crear &er'co& $e tra"&/orte $e %erca$era& /ara ,&o $e #a& coo/erat'&ta& + e# /=#co1 >1 Crear &er'co& $e &a#,$K c#"ca&K -ar%aca& + otro& ,e /ro/,("e" /or #a co"&er'ac)" -&ca + %e"ta# $e &,& coo/erat'&ta& + #a co%,"$a$ e" (e"era#1 2@1 Ca/actar &&te%.tca%e"te a #a& coo/erat'&ta& %e$a"te e# $&eo + e5ec,c)" $e /ro(ra%a& e$,cat'o&1 221 Rea#Far c,a#,er act'$a$ te"$e"te a %e5orar #a& co"$co"e& $e '$a $e #a& coo/erat'&ta&K #a co%,"$a$ + e# /a& e" (e"era#1

1.2.> COBERTURA COMIXMUL O-c"a /r"c/a#: S(,ate/e,eK $e/arta%e"to $e Co%a+a(,a


H#a#e&: Ta,#a=eK Co%a+a(,a Co%a+a(,aK Co%a+a(,a e&& $e OtoroK I"t=,c. La E&/era"FaK I"t=,c. Mo"5ar.&K Co#,teca Co#,tecaK Co#,teca Nacao%eK Va##e Sa"ta Bar=ar.K Sa"ta Bar=ar. Sa"ta Ro&a $e Co/a" E# Pro(re&oK oro M.rca#aK La /aF Graca&K Le%/ra

1.2.? BENEFICIOS ;UE OFRECE COMIXMUL So" %,co& #o& =e"e-co& ,e e" #a act,a#$a$ =r"$a COMI?MULK + e& ta" -.c# (oFar $e to$o& e##o&K &%/#e%e"te /re&e"tar&e a c,a#,era $e ",e&tra -#a#e&K co" (,&to &e #e& =r"$a #a "-or%ac)" &o=re co%o a-#ar&e e "car te"er ," e&t#o $e '$a %e5or1 Beca& E$,cat'a&: Para o/tar a e&te =e"e-co e# "o o "a $e=e $e e&tar a-#a$a o a #a coo/erat'a + te"er ," "$ce aca$0%co $e >2 e" a$e#a"te1! La Ma$re te"e ,e e&tar a# $a co" &,& a/ortaco"e&1 P#a" %0$co: Se #e $a a&&te"ca %0$ca a #a& &oca& /ara #a /re'e"c)" + trata%e"to $e e"-er%e$a$e& /ro/a& $e #a %,5er co%o &er: U#tra&o"$o a=$o%"a#K co"&,#ta %0$caK /re&)" artera# + /e&oK e*a%e" %a",a# $e %a%aK cto#o(a 'a("a#K "&/ecc)" $e c0r'* co" .c$o ac0tco1 Ca/actac)":


Se #e& =r"$a a to$a& #a& &oca& e" a&/ecto& -or%at'o&K a$%"&trat'o& + t0c"co& /ara e#e'ar &, ca/ac$a$ /ro$,ct'a + &,& "(re&o& eco")%co&1

1.2.@ SERVICIOS ;UE PRESTA COMIXMUL Aorro&: E" e&ta c,e"ta /,e$e $e/o&tar + retrar &, $"ero c,a"$o #o $e&ee1 Aorro& "a'$eo&: Aorra $,ra"te to$o e# ao #o ,e /,e$a co%o /ro'&)" /ara #a 0/oca "a'$ea1 Aorro $e %e"ore&: I"c,#car e" #o& %e"ore& e# 'a#o&o .=to $e# aorro1 De/)&to& a /#aFo -5o: E" e&ta c,e"ta $e/o&ta /or e# /#aFo ,e e&t%e co"'e"e"te #a ca"t$a$ $e $"ero ,e $e&ee + %e"tra& %a+or &ea #a %&%aK %.& "ter0& (a"ar.1 A/ortaco"e&: E& ,"a c,e"ta ,e #e /er%te &er &oca $e #a Coo/erat'a + /,e$e &er'r co%o (ara"ta /ara &o#ctar cr0$to1 Pre&ta%o&: ! ! ! !

9/otecaro& H$,caro& So#$aro& A,to%.tco&

1.2. EL PRORAMA DE CAPACITACIÓN ESTÁ DISEADO POR MÓDULOS NIVELES DE CAPACITACIÓN A. METAS PARA EL AO 2012 Pr%er N'e#: Ca/actar a 2@7@ &oca&K e" 24 -#a#e&K co" ," %"%o $e 28 te%.tca& %/art$a&1! E&te "'e# e& $e -or%ac)" (e"era# $e #a& &oca& + co"&&te e" te"er c#ar$a$ &o=re te%a& re#aco"a$o& co" &, $aro ''r + ,e &e =,&ca o=te"er ",e'o& 'a#ore& + actt,$e& $e #a& &oca& /artc/a"te&1 E" e# c,rrc,#o $e e&te "'e# e*&te" 23 te%a& =.&co& $e o=#(atoro c,%/#%e"to1 E# re&to $e #o& te%a& + co"te"$o& &o" $e-"$o& /or #a& &oca& e" e# /roce&o $e e#a=orac)" $e# /#a" $e ca/actac)" + e# c,a# co"te"e #a&


te%.tca& $e# c,r&oK co"te"$o&K %eto$o#o(aK oraroK re&/o"&a=#e&K %atera#e& $e a/o+o /e$a()(coK co%/ro%&o& $e a&&te"ca $e #a& &oca&1

B. TALLERES T!CNICOS EMPRESARIALES. Ca/actar a 28@@ &oca&K e" 24 -#a#e&: E&to& ta##ere& e&t." $r($o& a &oca& ,e te"e" &,& e%/re&a& e&ta=#ec$a& ,e ,ere" %e5orar#a&K a%/#ar#a&K $'er&-car#a&K ca%=ar $e r,=ro& o e%/re"$er ,"a ",e'a e*/ere"ca e%/re&ara#1! Lo& ta##ere& &o" $e car.cter (r,/a#K /r.ctco&K $e ate"c)" /er&o"a#Fa$aK + $e &e#ecc)" 'o#,"tara /or /arte $e #a& &oca&1 P,e$e" &er $e: =ar=eraK =e##eFaK corte + co"-ecc)"K /a"a$eraK "$,&tra ca&eraK "$,&tra ,%caK /ro$,cc)" a(rco#aK ta##ere& arte&a"a#e&K "$,&tra c.r"caK co"&er'ac)" $e /ro$,cto& /erece$ero&K co"tro# + /ro$,cc)" $e eco"o%a $e /atoK /re&e"tac)" + e%=a#a5e $e /ro$,cto&K e"tre otro&1 Se(,"$o "'e#: Ca/actar a 77@ &oca&K e" 24 -#a#e&1! Se "ca co" ," /roce&o co#ect'o e" a&/ecto& $e a$%"&trac)"K co"ta=#$a$ =.&ca + %erca$eo1! Dr($o e&/eca#%e"te a &oca& ,e a+a" rec=$o e# "'e# I +Jo ta##ere& t0c"co&1! Te"e 8 te%.tca& =e" $e-"$o& co" e#e%e"to& /r.ctco& $e e"&ea"Fa1 De e&te "'e# &e $e&/re"$e #a a&&te"ca t0c"ca $o"$e &e co#a=orar co" #a& &oca& /ara &,/erar &, $e-ce"ca o /ro=#e%a& /,"t,a#e& e" e# e5ercco $e creac)" + $e&arro##o $e &,& e%/re&a&1! La ate"c)" e& /er&o"a#Fa$aK /r.ctca + $-ere"ca$a &e(" &, act'$a$ /ro$,ct'a1 Se e#a=ora ," /#a" $e "e(oco& ,e &ea &e"c##oK -act=#eK re"ta=#eK e'a#,a=#eK -#e*=#eK co" tec"o#o(a a$ec,a$a1! A "'e# "aco"a# &e /rete"$e %e5orar 3@@ %croe%/re&a& e&ta=#ec$a& + #a creac)" $e 2@@ ",e'a&1 N'e# $e e&/eca#Faco"e&:


Se ca/acta" a 38 &oca& e" 24 -#a#e& + e&t. $r($o a a,e##a& &oca& e%/re&ara& ,e "ece&ta" e#e'ar &, "'e# t0c"co /ro$,ct'o /ara e#e'ar &, "'e# $e co%/ete"ca e" &,& %erca$o& re&/ect'o&1! E& $e car.cter &e#ect'o + rea#Fa$o a "'e# re(o"a#1! Se "'e&t(a &, "ece&$a$ + e& $&ea$o + $r($o /or e# a&e&or t0c"coK /re'a a/ro=ac)" /or o-c"a ce"tra# $e HUDEIMHA + e# $e/arta%e"to $e $e&arro##o e%/re&ara# $e COMI?MUL1! E& $e car.cter (r,/a# e %/art$o /or /er&o"a# t0c"co e&/eca#Fa$o1 Ta##er &o=re %a&c,#"$a$: Ca/actar a 23@@ /er&o"a& e" 24 -#a#e&. E& %/art$o a e&/o&o& o co%/aero& $e o(arK 5)'e"e& $e #a co%,"$a$ + a#,%"o& $e co#e(o& #oca#e&1 Te"e car.cter /artc/at'oK $&creto + a#ta%e"te re-#e*'o1 C,r&o $e /re/aratora: Ca/actar a 23@@ %,5ere& e" 24 -#a#e& + e&t. $r($o a %,5ere& &oca& + "o &oca& /ara ca/actar#a& &o=re #o ,e e& e# %o'%e"to coo/erat'&taK COMI?MULK HUDEIMHAK + /re/arar#a& /ara &, a-#ac)" e "te(rar#a& e" e# /r)*%o ao a #o& /ro(ra%a& "o -"a"cero& $e COMI?MUL1 Co%o ,"a co"tr=,c)" + '"c,#ac)" $e COMI?MUL a #a& co%,"$a$e& &e rea#Fa" #a& act'$a$e& co%/#e%e"tara& co%,"tara&K to%a"$o e" c,e"ta #a& "ece&$a$e& + e*(e"ca& $e ca$a co%,"$a$ + ,e /,e$e" &er: &a"ea%e"to =.&co co%,"a#K re-ore&tac)" co%,"taraK ca/actac)" a ce"tro& e&co#are& + CEBK /ro+ecco"e& $e '$eo& &o=re %e$o a%=e"te + otro& a=atFac)"K a/o+o a =r(a$a& $e &a#,$K ca%/aa& $e $e&/ara&tac)" + 'ta%"ac)" $e a"%a#e& $e /atoK ca%/aa& $e #%/eFaK e"tre otra&1

1.2.AREA DE MERCADEO Qe&ter,"o" To$a& #a& &oca& + /=#co e" (e"era# +a /,e$e" rec=r + e"'ar re%e&a& a "'e# "aco"a# e "ter"aco"a# e" c,a#,era $e #a& o-c"a& ,=ca$a& e" to$o e# /a&1


Gra" &orteo Por ca$a $e/)&to $e L/&1 7@@1@@ ,e rea#ce e" a/ortaco"e& rec=r. ," =o#eto co" e# c,a# e&tar. /artc/a"$o e" $o& &orteo&1 U"o rea#Fa$o e# 4@ $e %a+o $e# 3@23

1.<

ORANIRAMA

1.<.1 PERFIL OPERATIVO  ESTRUCTURA ORANICA


1.<.2JUNTA DIRECTIVA AO 2012 Pre&$e"ta: O#'a Ca&te##a"o&1


Vce!/re&$e"ta: o#a"$a Corea1 Secretara: Mra" a"et Mora#e&1 Voca# 2: Or-#a E&/era"Fa R'era1 Voca# 3: E"%a Vere"F Me"0"$eF1 Voca# 4: Da&a I$a#a TorreF1 Voca# 6: Hra"c&ca L)/eF1

1.<.
Pre&$e"ta: Zo"a A#=erto1 Secretara: Mara I&$ora D,arte1 Voca# 2: Mara $e# Tra"&to V##e$a1 Voca# 3: E'a Sa#aFar G,e'ara1 Voca# 4: H.t%a S,+a/a G.%eF

1.<.> ASAMBLEA ENERAL La a&a%=#ea (e"era# $e $e#e(a$o&K e& #a %.*%a a,tor$a$ $e #a Coo/erat'a + e&tar. co"&tt,$a /or #o& $e#e(a$o& &ectora#e& + &,& re&o#,co"e& #e(a#%e"te to%a$a&K &er." o=#(atora& /ara to$o& #o& &oco&1 S,& atr=,co"e& e&t." &ea#a$a& e" e# Art133 $e# e&tat,to $e #a coo/erat'a La& a&a%=#ea& (e"era#e& $e $e#e(a$o& &er." or$"ara& + e*traor$"ara&1 a La& a&a%=#ea& or$"ara& &e rea#Far." e" #o& %e&e& $e E"ero + ,#o /ara co"ocer + a/ro=ar #o& =a#a"ce& + e&ta$o& -"a"cero& &e%e&tra#e& + a",a#e&1 = La& a&a%=#ea& e*traor$"ara& &e rea#Far." c,a"$o e# ca&o #o a%erteK + /o$r." &er co"'oca$a& /or e# /re&$e"teK a /e$$o $e# co"&e5o $e a$%"&trac)"K '(#a"caK $e# (ere"te o $e /or #o %e"o& #a& $o& tercera& /arte& $e #o& &oco&1 La& tarea& e"co%e"$a$a& a #a a&a%=#ea (e"era# $e &oco& &o": a

Re-or%ar e# e&tat,to1


=

A/ro=ar e# /#a" $e tra=a5o $e #a coo/erat'a1

c

A,torFar #a a$,&c)" $e =e"e& o #a e"a5e"ac)" o (ra'a%e" tota# o /arca# $e e##o&1

$

Co"ocer #o& =a#a"ce& &e%e&tra#e& + #o& "-or%e& re#at'o& a #a %arca $e #a coo/erat'aK + a/ro=ar o recaFar#o&1

e

Decretar #a $&tr=,c)" $e #o& e*ce$e"te& $e co"-or%$a$ co" #a #e+K e&te re(#a%e"to + e# e&tat,to1

-

E#e(r + re%o'erK co" ca,&a 5,&taK a #o& %e%=ro& $e #o& co"&e5o& $e a$%"&trac)" + '(#a"caK $e #a& co%&o"e& e&/eca#e& + a &,& $e#e(a$o&1

(

Re#e'ar $e &,& -,"co"e& a# (ere"teK co" ca,&a 5,&ta1



Acor$ar #a $&o#,c)" $e #a coo/erat'aK &, -,&)" co" otra , otra& + &, a-#ac)" a c,a#,era $e #a& or(a"Faco"e& $e "te(rac)" coo/erat'aK c,+a a-#ac)" "o &ea o=#(atora1



A,torFar #a e%&)" $e cert-ca$o& $e a/ortac)"1

5

Re&o#'er e" a/e#ac)"K &o=re #a& rec#a%aco"e& o co"-#cto& $e #o& &oco& e"tre & o $e e&to& co" c,a#,era $e #o& or(a"&%o& $e #a coo/erat'a

1.<.? CONSEJO DE ADMINISTRACIÓN E& e# or(a"&%o $rectrF $e #a coo/erat'aK e&t.

"te(ra$o /or >

%e%=ro& e#e($o& /or a&a%=#ea (e"era#1 E& $e &, co%/ete"ca + re&/o"&a=#$a$1 A %.& $e #a& atr=,co"e& + $e=ere& &ea#a$o& e" e# e&tat,to + #a #e+ $e coo/erat'a&K &o" -ac,#ta$e& $e# co"&e5o $e a$%"&trac)" #a& &(,e"te&: a

Deter%"ar e# %o"to $e #a ca,c)" ,e $e=e re"$r e# (ere"teK + otro& e%/#ea$o& $e #a coo/erat'aK e" re#ac)" co" #a re&/o"&a=#$a$ $e #a& -,"co"e& + $e #o& =e"e& ,e &e a##a" a &, car(o


=

A,torFar #a e"tre(a $e #o& a=ere& $e ," &oco ,e &e retre $e #a coo/erat'a e" e# /#aFo $&/,e&to e" e# Art1 37 $e #a #e+ $e coo/erat'a&1

c

Pre&e"tar a #a a&a%=#ea (e"era# $e $e#e(a$o& #o& "-or%e& $e #a& #a=ore& &e%e&tra#e&1

$

Re(#a%e"tar #a& act'$a$e& eco")%ca& + a$%"&trat'a& $e #a coo/erat'a

e

E#a=orar e# /re&,/,e&to a",a# $e (a&to& + $e "'er&o"e& $e #a coo/erat'aK a& co%o #a& re-or%a& re&/ect'a&1

-

E#a=orar e# re(#a%e"to "ter"o + otro& "ece&aro& /ara #a "&tt,c)" co" #a -"a#$a$ $e &o%eter#o& a co"&$erac)" $e #a a&a%=#ea (e"era#1

(

Re&o#'er &o=re e# 'a#or "o%"a# ,e $e=e te"er #o& cert-ca$o& $e a/ortac)"



E#a=orar + &o%eter a co"&$erac)" $e #a a&a%=#ea (e"era# e# /ro+ecto $e re-or%a $e# e&tat,to1



Rec=r #o& e*/e$e"te& co%/#eto& + #o& "-or%e& re&/ect'o& $e #a& co%&o"e& e&/eca#e&K a/ro=ar#o& o recaFar#o& + or$e"ar &, arc'o1

5

Ace/tar o recaFar #a& &o#ct,$e& $e a$%&)" o retro $e &oco&1



A,torFar a# (ere"te #a a$,&c)" $e =e"e& a&ta /or ," %o"to $e 7@@K@@ $)#are& /re'o a# co"c,r&o $e tre& -act,ra& /ro -or%aK ,"a $e #a& c,a#e& &er. e#e($a $e ac,er$o a #a& co"'e"e"ca& $e #a coo/erat'a1

#

Re,"r&e or$"ara%e"te /or #o %e"o& ,"a 'eF a# %e&K + c,a"ta& 'ece& -,ere "ece&aro e*traor$"ara%e"te1 La& ctaco"e& $e=er." acer&e /or #o %e"o& co" 36 ora& $e a"tc/ac)"K ac0"$o&e co"&tar e# or$e" $e# $aK #a ctac)" &er. $e re&/o"&a=#$a$ $e# /re&$e"te1

%

Rec=r. %e"&,a#%e"te "-or%e& eco")%co& $e (ere"ca


1.<.@ CONSEJO DE VIILANCIA E& e# or(a"&%o $e co"tro# + -&ca#Fac)" $e #a& act'$a$e& $e #a coo/erat'a e" #o& ca%/o&: -"a"ceroK eco")%coK a$%"&trat'oK co"ta=#e + $e &er'co&1 Ser. $e &, co%/ete"ca + re&/o"&a=#$a$: E# co"&e5o $e '(#a"ca te"$r. #a& &(,e"te& atr=,co"e& + $e=ere& a %.& $e #a& -,"co"e& &ea#a$a& e" e# e&tat,to1 a

E-ect,ar ar,eo& $e ca5a /or #o %e"o& ,"a 'eF a# %e&

=

Re'&ar + cote5ar #a& #=reta& $e aorro $e #o& &oco& co" #o& re(&tro& $e arc'o /or e# &&te%a $e %,e&treo

c

Re'&ar %e"&,a#%e"te #o& #=ro& $e acta& $e# co"&e5o $e a$%"&trac)"K $e #a& a&a%=#ea& (e"era#e& + co%&o"e& $e cr0$to

$

I"-or%ar #a& rre(,#ar$a$e& ,e &e /ro$,Fca" e" e# tra=a5o $e -,"co"aro& + e%/#ea$o& $e #a coo/erat'a

e

Co"tro#ar e# correcto $e&/aco $e #a& &o#ct,$e& $e /r0&ta%o&

-

Pro/o"er a# co"&e5o $e a$%"&trac)"K e" e# ca&o $e -a#ta& (ra'e& co%et$a& + co%/ro=a$a& /or /arte $e #o& %e%=ro& $e #o& co"&e5o& + $e #a& co%&o"e& e&/eca#e& &, "a=#tac)" + e" e# ca&o $e (ere"te &, &e/arac)"

(

Pro/o"er reco%e"$aco"e& e" e# or$e" a$%"&trat'o + -"a"cero e" -or%a %e"&,a# $e ac,er$o a# co"tro# $e #a& act'$a$e& rea#Fa$a& a# a%/aro $e #a #e+K &, re(#a%e"to (e"era# + e&tat,to $e #a coo/erat'a



So#ctar #a re'&)" $e ca,co"e& $e #o& -,"co"aro& + e%/#ea$o& ca,co"a$o&1



Re'&ar #o& "'e"taro& + co"-ro"tar#o&


5

L#e'ar ," #=ro $e acta& + &,%##a& $e re&o#,co"e& /or "ter%e$o $e# &ecretaro a1



So#ctar e" ca&o "ece&aro ,"a a,$tora e*ter"a a# ao /or /arte $e ,"a e"t$a$ e&/eca#Fa$a + ca#-ca$a /or #a $recc)" "aco"a# $e coo/erat'a&1

#

V(#ar tr%e&tra#%e"te #a a$%"&trac)" (e"era# $e #a coo/erat'a ,e &ea co"$,c$a $e ac,er$o co" #a& "or%a& $e #a Le+ $e coo/erat'a&K e# e&tat,to + e&te re(#a%e"to1

%

Co"c,rrr a #a& &e&o"e& co"5,"ta& $e co"&e5o + co%&o"e& co"'oca$a& /or e# co"&e5o $e a$%"&trac)"K $e=e"$o a=&te"er&e $e -or%,#ar %oco"e& + -or%,#ar re&o#,co"e& ,e /o&teror%e"te #e /r'ara $e &, a,tor$a$ -&ca#Fa$ora1

"

Co%/ro=ar #a e*actt,$ $e #o& =a#a"ce&K "'e"taro& + to$a& #a& act'$a$e& $e #a coo/erat'a + /re&e"tar e# corre&/o"$e"te "-or%e a #a a&a%=#ea (e"era# $e $e#e(a$o&1

o

Co"ocer #a& rec#a%aco"e& ,e #o& &oco& e&ta=#ece" co"tra e# (ere"teK co"&e5o $e a$%"&trac)"K #a& co%&o"e& e&/eca#e& o &o=re #o& &er'co& $e #a coo/erat'a1 E" e&te ca&o $e=e re"$r ," "-or%e e&crto a #a a&a%=#ea (e"era#1

/

Dar e# '&to =,e"o o 'etar co" ca,&a 5,&ta e" #o& acto& o co"trato& e" ,e &e co%/ro%eta" #o& =e"e& o cr0$to& $e #a "&tt,c)" c,a"$o "o e&t." $e ac,er$o co" #o& "tere&e& $e #a coo/erat'a o /a&e" $e# %o"to e&ta=#ec$o /or #a a&a%=#ea (e"era#1

1.<. COMISIÓN DE CR!DITO Ser. #a e"car(a$a $e a"a#Far + a/ro=ar or$e"a$a%e"te #a $e%a"$a cre$tca $e #a coo/erat'a1


So" atr=,co"e& + $e=ere& $e #a co%&)" $e cr0$to: a

Rea#Far ,"a &e&)" or$"ara a# %e& + #a& e*traor$"ara& ,e -,ere" "ece&ara&1

=

S,5etar&e a# re(#a%e"to $e cr0$to '(e"te

c

S,(err re-or%a& a# re(#a%e"to + a #a /o#tca cre$tca $e #a coo/erat'a1

$

Rea#Far to$a& #a& $e%.& -,"co"e& + atr=,co"e& ,e #o& or(a"&%o& &,/erore& $eter%"e"1

e

A/ro=arK &,&/e"$er o "e(ar #o& /r0&ta%o& &o#cta$o& /or #o& &oco&1

-

Ver-car #a& (ara"ta& ,e re,era" #o& /r0&ta%o& + ##e'ar e# re(&tro $e (ara"te&1

(

S,(err re-or%a& e" e# re(#a%e"to +Jo /o#tca cre$tca $e #a coo/erat'a1



Pre&e"tar ," "-or%e $e a/ro=ac)" $e /r0&ta%o& + act'$a$e& re&/ect'a%e"te1

1.<. PRESIDENTE DE LA COOPERATIVA E# /re&$e"te $e #a coo/erat'a a %.& $e #a& -,"co"e& &ea#a$a& e" e# e&tat,to '(e"teK te"$r. #a& &(,e"te& atr=,co"e& + $e=ere&: a

I"&ta#ar #a& a&a%=#ea& (e"era#e& $e &oco& $e#e(a$o& +

#a& $e# co"&e5o

$e a$%"&trac)" e" e# or$e" ,e a+a" &$o e#e($o&1 =

Co"'ocar a #a& a&a%=#ea& or$"ara& + e*traor$"ara&1

c

Coor$"ar #a& act'$a$e& $e #o& or(a"&%o& $e #a coo/erat'a

$

Pre&$r #a& &e&o"e& co"5,"ta& $e #o& co"&e5o& $e #a coo/erat'a1

e

Re'&ar %e"&,a#%e"te #o& #=ro& $e acta& $e# co"&e5o $e '(#a"ca + co%&o"e& e&/eca#e& $e &er "ece&aro1


-

I"-or%ar a #o& &oco& $e #a %arca $e #o& a&,"to& $e #a coo/erat'a1

(

A=rr co" e# Gere"te #a& c,e"ta& =a"cara& -r%arK (rarK e"$o&ar + ca"ce#ar ce,e&1



S,&cr=r co" e# Gere"te #o& cert-ca$o& $e a/ortac)"1



Pre&$r to$o& #o& acto& o-ca#e& $e #a coo/erat'a +

5

Hr%ar #a corre&/o"$e"ca $e #a coo/erat'a1



E#a=orar e# "-or%e $e act'$a$e& /ara e# co"oc%e"to + a".#&& $e# co"&e5o $e a$%"&trac)" + /re&e"tar a #a a&a%=#ea (e"era#1

#

Te"$r. $ereco a 'oto $ara%e"te1

1.<. ERENTE E& e# re&/o"&a=#e $e# c,%/#%e"to $e to$a& #a& "or%a& #e(a#e&K e&tat,tara& + re(#a%e"tara&K $e #a& $&/o&co"e& e%a"a$a& $e #a a&a%=#ea (e"era#K $e# co"&e5o $e a$%"&trac)" + $e%.& or(a"&%o& $e #a coo/erat'a1 A %.& $e #a& -,"co"e& &ea#a$a& e" #a Le+ + e# E&tat,to &,& atr=,co"e& &er." #a& &(,e"te&: a

Re/re&e"tar 5,$ca# + e*tra5,$ca#%e"te a #a coo/erat'a1

=

A&&tr a #a& &e&o"e& $e# co"&e5o $e a$%"&trac)" co" 'oF + &" 'oto1

c

Or(a"Far #a a$%"&trac)" $e #a e"t$a$ + re&/o"&a=#Far&e $e e##a1

$

S,(err /o#tca& -"a"cera& coere"te& a# co"&e5o $e a$%"&trac)" /ara &,

a/#cac)"1

e

A$%"&trar + c,&to$ar #o& $oc,%e"to& "e(oca=#e& $e #a coo/erat'a1

-

S,(err #o& rea5,&te& ,e $e=e acer&e e" e# /re&,/,e&to + e" e# /#a" $e act'$a$e& $e #a coo/erat'a1


(

So#ctar &e&o"e& e*traor$"ara& a #o& co"&e5o&K c,a"$o &e trate $e a&,"to& ,r(e"te& e %/orta"te& $e #a coo/erat'a1



Coo/erar co" #o& /ro(ra%a& e$,cat'o& + /ro%oco"ar#o&1



S,%"&trar "-or%ac)" e&crta ,e &o#cte" #o& %e%=ro& $e #o& co"&e5o& + co%&o"e& e&/eca#e& /re'o a,torFac)" $e# /re&$e"te $e #a coo/erat'a1

5

C,%/#r + acer c,%/#r a #o& &oco& #a& $&/o&co"e& e%a"a$a& $e #a a&a%=#ea (e"era# $e #o& co"&e5o&1



Re"$r #a ca,c)" corre&/o"$e"te

#

Pre&e"tar ," "-or%e a$%"&trat'o + #o& =a#a"ce& &e%e&tra#e& a co"&$erac)" $e #o& co"&e5o& $e a$%"&trac)" + '(#a"ca

%

No%=rarK ace/tar re","ca& + ca"ce#ar a #o& e%/#ea$o& c,+a $e&("ac)" o re%oc)" "o corre&/o"$a a otro& or(a"&%o& $e #a coo/erat'a1

"

V(#ar ,e &e ##e'e correcta%e"te #a co"ta=#$a$ $e #a coo/erat'a

o

Hr%ar #o& ce,e& co"5,"ta%e"te co" e# /re&$e"te $e #a coo/erat'a

/

Co"tro#ar e# c,%/#%e"to $e #o& o=5et'o&K %eta& /o#tca&K e&trate(a&K + /roce$%e"to& $e tra=a5o1



A/ro=ar #a& o/eraco"e& $e cr0$to e

"'er&o"e& + a$%"&trar #a&

o/eraco"e& /ro/a& $e #a coo/erat'a co" &,5ec)" a #a& #e+e& + re(#a%e"to& e&ta=#ec$o&1

1.<.10 COMISIÓN DE ASUNTOS SOCIALES La co%&)" $e a&,"to& &oca#e& te"$r. #a& &(,e"te& atr=,co"e& + $e=ere&:


a

Pro/o"er e# =e"e&tar &oca# $e #o& &oco& co" e# -" $e a#ca"Far #a &o#$ar$a$ $e e##o&1

=

Rea#Far e&t,$o& &ocoeco")%co& $e# %e$o1

c

Or(a"Far act'$a$e& &oca#e& + $e/ort'a&1

$

Ho%e"tar e# a-a"Fa%e"to $e #a& =,e"a& re#aco"e& $e #o& &oco& co" #a coo/erat'a1

e

Rea#Far act'$a$e& $e recreac)" /ara $r(e"te&K e%/#ea$o& + &oco& $e #a coo/erat'a1

-

S,(err #a creac)" $e "ce"t'o& /ara &oco&K e%/#ea$o& + $rect'o&1

(

Ve#ar /or e# -e# c,%/#%e"to $e #o& =e"e-co& e*&te"te& e" #a coo/erat'a1



Co#a=orar co" #a /re/arac)" $e a&a%=#ea& + acto& &oca#e& $e #a coo/erat'a1



I"-or%ar %e"&,a#%e"te a# co"&e5o $e a$%"&trac)" + &e%e&tra#%e"te a #a

5

a&a%=#ea (e"era# $e $e#e(a$o& &o=re &,& act'$a$e& rea#Fa$a&1

S,(err #a creac)" $e &er'co& e&/ec-co& + (e"era#e& /ara #o& a&oca$o&1



Se&o"ar or$"ara%e"te ,"a 'eF a# %e& + e*traor$"ara%e"te #a& 'ece& ,e &ea"

"ece&ara&1

1.<.11 COMISIÓN DE EDUCACIÓN La co%&)" $e e$,cac)" te"$r. #a& &(,e"te& atr=,co"e&: a

Or(a"FarK $e&arro##ar + -o%e"tar #a e$,cac)" coo/erat'&ta1

=

E#a=orar e# /#a" &e%e&tra# $e act'$a$e& + &o%eter#o a co"&$erac)" $e# co"&e5o $e a$%"&trac)" /ara &, a/ro=ac)"1


c

I"-or%ar a# co"&e5o $e a$%"&trac)" %e"&,a#%e"te + a #a a&a%=#ea (e"era# $e $e#e(a$o& &e%e&tra#%e"te1

$

Rea#Far act'$a$e& $e /ro%oc)" $e #a coo/erat'a co%o &o": %e&a& re$o"$a&K /a"e#e&K -oro& etc1

e

Rea#Far e"c,e&ta& $e&t"a$a& a %e5orar #o& &er'co& e&/ec-co& + (e"era#e& $e #a coo/erat'a1

-

Ca/actar a #o& $r(e"te& + e%/#ea$o& $e #a I"&tt,c)" e" #a $octr"a coo/erat'a1

(

E&t,$ar + a"a#Far #a& re-or%a& /o&=#e& a# e&tat,to + re(#a%e"to $e #a coo/erat'a1



De&("ar a #o& "&tr,ctore& /ara #o& c,r&o& =.&co& $e coo/erat'&%o1



Or(a"Far c,r&o& $e ca/actac)" /ara e# &oco e" #a& $&t"ta& ra%a& + act'$a$e&1

5

Pro/o"er a# co"&e5o $e a$%"&trac)" #o& "o%=re& $e #o& a&/ra"te& a ##e"ar #a& 'aca"te& $e #a co%&)"



Se&o"ar ,"a 'eF a# %e& or$"ara%e"te + e*traor$"ara%e"te #a& 'ece& ,e &ea" "ece&ara&1

#

E#a=orar %atera# "-or%at'o + acer ##e(ar a #o& &oco&1

%

Ma"te"er re#aco"e& o '"c,#o& co" otra& coo/erat'a& o "&tt,co"e& a-"e&1

1.> POLITICAS  PROCEDIMIENTOS 1.>.1 CARACTERIZACION DE SU MEMBRESIA


La %e%=reca $e #a coo/erat'a e&t. %a+ortara%e"te "te(ra$a /or %,5ere& e" (ra'e &t,ac)" $e re&(o /or &, ',#"era=#$a$ &oco!eco")%ca e*/re&a$a a tra'0& $e &, co"$c)" $e e*tre%a /o=reFaK a=a"$o"o + %ar("a#$a$ &oca#1 E" ," 87K &o" %a$re& &o#tera& $e# ca%/o + $e #a c,$a$ ,e cot$a"a%e"te &e e"-re"ta" a #a '$a e" &, #,ca /ara &,/erar &,& co"$co"e& $e /o=reFa e" ,e &e $e&e"',e#'e" 5,"to a &,& 5o&1 E" e&te &e"t$oK #a coo/erat'a $e&e%/ea ,"a -,"c)" $eter%"a"teK co%o "ca a#ter"at'a $e &,& a-#a$a& e" #a &at&-acc)" $e &,& "ece&$a$e& =.&ca&K a& co%o a# %/,#&o + $e&arro##o $e /ro+ecto& /ro$,ct'o& $e %croe%/re&a& + %cro "$,&tra1 A# %e& $e a(o&to $e# 3@23 COMI?MUL te"e ,"a %e%=reca $e 36K>4< a-#a$a&K &e"$o ,"a $e #a& coo/erat'a& $e %,5ere& co" %a+or /ro+ecc)" &oca# e" #o& $-ere"te& .%=to& $e #a '$a $e# /a& + /artc,#ar%e"te e" #a& .rea& (eo(r.-ca& $o"$e -,"co"a" #a& o-c"a& $e #a coo/erat'a1

1.>.2 CRECIMIENTO FINANCIERO La& $e%a"$a& cre$tca& &e a" ate"$$o #e"ta%e"teK /or "o te"er -o"$o& &,-ce"te& /ara -"a"car %.& /ro+ecto& $e #a& a-#a$a&K $e=$o a #a /oca ca/ac$a$ $e aorro $e #a& %&%a&K #o ,e a o=#(a$o a =,&car -o"$o& e" e# &&te%a =a"caroK /ara ca/ta# $e tra=a5o ,e e& #a %a+or $e%a"$a "&at&-eca1 E# ca/ta# $e tra=a5o #o co%/o"e" -o"$o& /ro/o& + e*ter"o& e" ca#$a$ $e -"a"ca%e"to /or /arte $e 'ara& "&tt,co"e& "aco"a#e& e "ter"aco"a#e& ,e a/o+a" co" #a& /oca& (ara"ta& ,e &e /re&e"ta"K reco"oce"$o e# tra=a5o + #a ca/ac$a$ $e a$%"&trac)"K /ero &o=re to$o #a /ro+ecc)" co" e# &ector $e e*tre%a /o=reFa $e #a& .rea& ,r=a"a& co%o r,ra#e&1 E" e&te co"ce/toK c,a"$o &e "c) e# ca/ta# era $e L14K @@@1@@ tre& %# #e%/ra& o US28@1@@ act,a#%e"te a# %e& $e a(o&to $e 3@23 #o& act'o& &,%a"


L1>78K 784K@6612> e,'a#e"te& a US  6>K>721@31<@ e# /atr%o"o e& $e L1 2>4K @76K26>128 e,'a#e"te& a US 2@K @<2K227182

1.? ESTRATEIAS 1.?.1 PRORAMAS  PROECTOS La coo/erat'a &e a /ro+ecta$o /or 'aro& ao&K e" otro& a&/ecto& ,e 'a" %.& a##. $e otor(ar /r0&ta%o&K a&/ecto& ,e 'a" ore"ta$o& a -orta#ecer #a& ca/ac$a$e& e%/re"$e$ora& $e ",e&tra& &oca& a tra'0& $e #a ca/actac)"K a&&te"ca t0c"ca e&/eca#Fa$a + /ro%oco"a"$o otro& &er'co& e%/re&ara#e& ore"ta$o& a /ro(ra%a& $e &a#,$ + /ro+ecto&1

1.?.2 PRORAMAS PRORAMAS DE CAPACITACIÓN MODULAR PARA LA ESTIÓN  FORTALECIMIENTO MICRO EMPRESARIAL A LAS AFILIADAS DE COMIXMUL. E# o=5et'o $e e&te /ro(ra%a e& -orta#ecer #a& ca/ac$a$e& $e #a& &oca& $e #a coo/erat'aK %e$a"te #a e5ec,c)" $e# /ro(ra%a $e ca/actac)" %o$,#arK -o%e"ta"$o a #a 'eF e# /r"c/o $e coo/erat'&%o + &o#$ar$a$ e"tre %,5ere&K /ara %e5orar #a& co"$co"e& act,a#e& $e '$a1 E# "'e# $e -or%ac)" (e"era# $e #a& &oca& co"&&te e" te"er c#ar$a$ &o=re te%a& re#aco"a$o& co" &, $aro ''rK + ,e &e =,&ca o=te"er ",e'o& 'a#ore& + actt,$e& $e #a& &oca& /artc/a"te&1

La -,"$ac)" /ara e# $e&arro##o "te(ra# $e #a %,5er + #a -a%#a HUDEIMHAK e5ec,ta e# /ro+ecto Pro(ra%a $e ca/actac)" %o$,#ar /ara #a (e&t)" + -orta#ec%e"to %cro e%/re&ara# a #a& a-#a$a& a COMI?MUL co" e# o=5et'o $e %e5orar #a& co"$co"e& $e '$a a tra'0& $e# e%/o$era%e"to &oco eco")%co $e 2K8@@ %,5ere& &oca& $e COMI?MULK $&tr=,$a& e" #a o-c"a ce"tra# + 23 -#a#e& $e COMI?MULK co" ,"a $,rac)" $e 2 ao1


La coo/erat'a $&/o"e $e ," -o"$o /ara ," /ro(ra%a $e ca/actac)"K e# c,a# 'e"e a =e"e-car a &oca& ,e $e&ea" a/ro'ecar $ca o/ort,"$a$1 E# /ro(ra%a $e ca/actac)" COMI?MUL co%/re"$e te%a& $e %,ca %/orta"ca /ara -or%a#Far + #e(a#Far &,& e%/re"$%e"to&K e&to& te%a& &o" aco%/aa$o& co" técnicos en $o"$e #a &oca te"e #a #=erta$ $e e#e(r e# ta##er ,e $e&eeK co%o a& ta%=0" a&e&ora /er&o"a#Fa$a1 M)$,#o& $e ca/actac)" •

De&arro##o /er&o"a# (,a#$a$ + e,$a$ $e (0"ero1

•

E$,cac)" -"a"cera1

•

Merca$eo + co%erca#Fac)"1

•

Sa#,$ /re'e"t'a1

Co%o /arte $e# /ro(ra%a $e ca/actac)" %o$,#ar c,+o& te%a& +a a" &$o %e"co"a$o& a"teror%e"teK ta%=0" &e ca/acta a #o& o%=re& e&/o&o& e 5o& $e #a& &oca& e" e# te%a $e %a&c,#"$a$K co" e# /ro/)&to $e &e"&=#Far#o&1 Act'$a$e& co%/#e%e"tara& La& act'$a$e& co%/#e%e"tara& co"&&te" e" a/o+ar "cat'a& co%,"tara&K e"ca%"a$a& a %e5orar #a& co"$co"e& $e '$a $e #a& %,5ere& + &,& -a%#a& e" #o& $-ere"te& a&/ecto&:  Re$,cc)" $e #a "c$e"ca $e e"-er%e$a$e& co%o: %a#araK $e"(,eK etc1 A tra'0& $e ca%/aa& $e a=atFac)" $e /#a&K rec/e"te& + otro& a#%ace"a%e"to& $e a(,a1  Co"tr=,r a ,e #o& "o& $e @!7 ao& $e e$a$ co%/#ete" &,& e&,e%a& $e 'ac,"ac)"K e'ta"$o #a /re&e"ca $e e"-er%e$a$e& co%o: &ara%/)"K r,=o#aK t,=erc,#o&&K etc1


 Hac#tac)" $e# acce&o a &er'co& $e &a#,$ %0$co& + %e$ca%e"to&K %e$a"te #a rea#Fac)" $e =r(a$a& %0$ca&1  Protecc)" + co"&er'ac)" $e# %e$o a%=e"te a tra'0& $e ca%/aa& $e &e"&=#Fac)" e$,cat'a + re-ore&tac)" co%,"tara1  Me5ora%e"to $e #a& co"$co"e& ",trco"a#e& $e #a& %,5ere& + &,& -a%#a& co" #a "&ta#ac)" $e ,erto& -a%#are&1

1.?.< PROECTOS A.TALLER DE ESPECIALIZACIÓN DE VINOS De&arro##a$o e" #a co%,"$a$ $e D,#ce No%=reK I"t=,c. $e# 34 a# 3 $e 5,#o $e# /re&e"te ao1 E&te ta##er &e c#a,&,ro a&ta e#  $e &e/te%=reK $e=$o a ,e e# /roce&o $e -er%e"tac)" $,ra %"%o 6@ $a&K /ara ,e a#ca"ce e# &a=or re,er$o + /,e$a &er $e(,&ta$o /or ca$a ,"o $e #o& c#e"te& "tere&a$o&1 Para e# e'e"to a&&tero" 3 re/re&e"ta"te& $e #a -#a# La E&/era"FaK $o& re/re&e"ta"te& $e #a 5,"ta $rect'a + '(#a"ca $e #a coo/erat'a COMI?MULK /arte $e #o& 'ec"o& $e #a co%,"$a$K #o& -a%#are& $e ca$a ,"a $e #a& 23 =e"e-cara& + /er&o"a# t0c"co $e #a -,"$ac)"1 E'e"to $e&arro##a$o co" 0*to /or,e ,=o 'e"ta $e co%$a& t/ca&K '"o $e $-ere"te& &a=ore&K e"c,rt$o&K etc1

B.INSTALACIÓN DE HUERTOS FAMILIARES E" e# /re&e"te ao &e ca/act) a# /er&o"a# t0c"co $e# /ro+ectoK e" #o& te%a& re#aco"a$o& a ,erto& -a%#are&K co"&er'ac)" $e &,e#o& + a=o"era& or(."ca&K &e "c#,+ero" 8 t0c"co& $e# /ro+ecto COMI?MULK 8 &oca& $e tre& co%,"$a$e& =e"e-cara&1 E# ta##er -,e %/art$o /or HIPA9K -,"$ac)" ,e tra=a5a + e"tre"a 'o#,"taro& e" #a& co%,"$a$e& $e $-ere"te& %,"c/o&1 E# o=5et'o -,e -orta#ecer #o& co"oc%e"to& $e# /er&o"a# t0c"co /ara ,e #o& tra"&-era" a ca$a (r,/o =e"e-caro1


I"&ta#ac)" $e 3@@ ,erto& -a%#are& e" #a& $-ere"te& co%,"$a$e& ,e tra=a5a e# /ro+ecto1 Co" e# o=5et'o $e %e5orar #a $eta a#%e"tca $e ca$a ,"a $e #a& =e"e-cara& + &,& -a%#a&1 E"tre(."$o&e#e& 7 .r=o#e& -r,ta#e& + 7 $-ere"te& t/o& $e &e%##a& $e orta#Fa&K /ara "te(rar /oco a /oco ," ,erto -a%#ar "te(ra$o + #o(rar e# o=5et'o /ro/,e&to1 A$e%.& &e "&ta#aro" 4 ,erto& e&co#are& e" La A"(o&t,raK Sa" Marco& + Lo& A#/e& /ara co"tr=,r co" #a re-ore&tac)" e" #o& /re$o& $e ca$a ce"troK %e5ora"$o ta%=0" #a =e##eFa e&c0"ca $e# #,(arK &o" a&&t$o& /or #o& %&%o& a#,%"o& e" #a c#a&e $e a(ro/ec,ara1 Se "&ta#aro" 6 ,erto& co%erca#e& e" #a& co%,"$a$e& $e E# PaF#a#K C#(atoroK E# Cacao + AFac,a#/aK co" e# o=5et'o $e (e"erar "(re&o& e" =e"e-co $e &,& -a%#a&1 Pre'o a #a "&ta#ac)" $e #o& $-ere"te& ,erto& &e e#a=or) e# a=o"o or(."co BOCAC9IK + e" #o& #,(are& co" /e"$e"te &e Fo co"&er'ac)" $e &,e#o&K /ara e'tar #a ero&)" $e #o& %&%o&K rete"er %atera or(."ca + a(,a1

C.NIVELES DE LA CAPACITACION MODULAR NIVEL 2: a = c $ e

De&arro##o /er&o"a#K (,a#$a$ + e,$a$ $e (0"ero1 E$,cac)" -"a"cera Merca$eo + co%erca#Fac)" Sa#,$ /re'e"t'a C,r&o& t0c"co&

NIVEL 3: a E$,cac)" a$%"&trat'a = Merca$eo + co%erca#Fac)" c Ta##ere& $e e&/eca#Fac)"

D.PRORAMA DE SALUD O=5et'o (e"era#: co"tr=,r a %e5orar e# acce&o eco")%co + (eo(r.-co $e #a /o=#ac)" $e e&ca&o& rec,r&o& e" c,a"to a# acce&o a #a ate"c)" %0$ca


(rat,ta + o=te"c)" $e %e$ca%e"to& e&e"ca#e& $e ca#$a$ + =a5o co&to1! A& %&%o -orta#ecer #a or(a"Fac)" co%,"tara co%o "&ta"ca ,e /ro%,e'e e# $e&arro##o #oca#1 E&to& /ro(ra%a& $a" "co e" #a Fo"a &,r $e# /a& co" ate"c)" a &oca& $e #a& -#a#e& $e Nacao%eK Co#,tecaK + Mo"5ar.& + e" -e=rero $e# 3@@< co" e# a/o+o $e HOS $e B0#(ca &e "caro" $o& /ro(ra%a& $e &a#,$ ,"o /ara acce&o a &a#,$ + e# otro /ara e# acce&o a %e$ca%e"to&1 E" e# ao 3@22 &e ate"$ero" 3774 &oca& $e #a Fo"a &,r Mo"5ar.&K Co#,teca + Nacao%eK Fo"a ce"tra# o-c"a ce"tra#K e&& $e OtoroK Co%a+a(,aK Ta,#a=eK La E&/era"FaK + M.rca#aK + $e# Occ$e"te Sa"ta Bar=ar.K Sa"ta Ro&a $e co/a" + Graca&K a&ta e# %e& $e a(o&to $e# 3@23 &e a" ate"$$o 3@>2 &oca&1 E" e# /ro(ra%a $e &a#,$ #a& &oca& &e =e"e-ca" a tra'0& $e ce,eo %0$co (e"era#K ,#tra&o"$o $e a=$o%e" + %a%a&K cto#o(a + c,a"$o e# ca&o #o re,ere &e rea#Fa" =o/&a&K ca,terFaco"e&K co#/o&co/a&1 Co" e# /ro(ra%a $e &a#,$ &e a" "&ta#a$o 2>@ =ot,"e& co%,"taro& + 22 'e"ta& &oca#e& $e %e$ca%e"to&K #o& /ro(ra%a& &oca#e& $e ca/actac)"K a&&te"ca t0c"ca + &a#,$ &o" e5ec,ta$o& /or #a -,"$ac)" /ara e# $e&arro##o $e #a %,5er + #a -a%#a HUDEIMHA

1.@COMPETENCIA La& %cro -"a"Fa& e&t." co%/,e&ta& /or or(a"Faco"e& /ara e# $e&arro##o OPD or(a"Faco"e& /ara e# $e&arro##o -"a"cero OPDHK &oce$a$e& -"a"cera&K coo/erat'a& $e aorro + cr0$to& COAC + a#(,"o& =a"co&1 Por #o ,e &e re-ere a #a& e"t$a$e& re(,#a$a& + %o"torea$a& /or #a co%&)" $e =a"co& + &e(,ro& $e 9o"$,ra&K a+ ,e %e"co"ar #a /re&e"ca e" e# &ector $e c,atro =a"co&: Procre$tK Ba"co AFtecaK BAN9CAHEK Ba"co Ve#o Ba"co Po/,#arK co" ,"a cartera $e cr0$to e" e# &ector %cro -"a"cero corre&/o"$e"te a US 2>@K@@@K@@@1@@1 A$e%.& a+ a#(,"a& otra& "&tt,co"e& =a"cara& ,e %a"e5a" ," /ro(ra%a $e %cro -"a"Fa&: BAMERK Ba"co $e Occ$e"te + Ba"co HICO9SAK e"tre #a& or(a"Faco"e& /r'a$a& $e $e&arro##o -"a"cero OPDH + otra&


"&tt,co"e& -"a"cera& "o Ba"cara& &e e"c,e"tra": HAMAK CREDISOLK ODEHK PILAR9K 9er%a"$a$ $e 9o"$,ra&K HINSOL + HUNEDK #a& $e%.& &o" OPD&K COAC& + a#(,"a& &oce$a$e&K a,",e "o $recta%e"te &,/er'&a$a& /or #a co%&)" $e =a"co& + &e(,ro& $e 9o"$,ra&K & re&/o"$e" a ," %arco re(,#atoro1 De=$o a# crec%e"to $e# &ector $e #a %cro -"a"Fa& a# a#to "'e# $e co%/ete"ca + a #a "tro$,cc)" %a&'a $e tar5eta& $e cr0$toK 9o"$,ra& e&t. e*/,e&ta a ," re&(o &o=re e"$e,$a%e"to $e #o& c#e"te&K &o=re to$o e" .rea ,r=a"a1! De eco a /e&ar ,e e*&ta acce&o a ,"a ce"tra# $e re&(o /,=#ca a$%"&tra$a /or #a &,/er"te"$e"ca $e 9o"$,ra& + $o& ce"tra#e& $e re&(o /r'a$a& tra"&,"o" e "-oco%K #a "-or%ac)" "o e&t. co%/#eta%e"te act,a#Fa$a1

1. CLIENTES 2112 Re,&to& $e I"(re&o Ser %,5er Ser %a+or $e 32 ao& Co/a $e $e"t$a$ A-#ac)" L/&143@1@@ De/o&tar %"%o L/&1 3@1@@ %e"&,a#e& $e a/ortaco"e&1 • • • • •

2113Dereco& • • • •

GoFar $e #o& &er'co& + =e"e-co& ,e o-rece #a coo/erat'a1 Te"er 'oF + 'oto e" #a& re,"o"e& + a&a%=#ea&1 E#e(r + &er e#ecta /ara c,a#,er car(o1 So#ctar #a co"'ocatora /ara #a a&a%=#ea (e"era# or$"ara1

2114 De=ere& • • • • • •

C,%/#r co" #a& o=#(aco"e& co"tra$a& e" #a coo/erat'a1 9acer ,&o $e #o& &er'co& ,e o-rece #a coo/erat'a1 Ace/tar + $e&e%/ear car(o& $rect'o&1 Acatar + c,%/#r #a& re&o#,co"e& $e #a a&a%=#ea (e"era# + 5,"ta $rect'a1 Pro%o'er e# "(re&o $e ",e'a& a-#a$a&1 Co"ocer e# -,"co"a%e"to $e #a coo/erat'a1


2116 Re,&to& /ara o=te"er ," /r0&ta%o • • • • • •

Ser %a+or $e 32 ao& E&tar a-#a$a a #a coo/erat'a E&tar a# $a co" #a& a/ortaco"e& P#a" $e "'er&)" De$car&e a act'$a$e& co%o e# co%ercoK /ro$,cc)"K &er'co& e"tre otra& Br"$ar #a "-or%ac)" rea# re,er$a1


CAP:TULO II

2.G ACTIVIDADES ASINADAS DURANTE EL PERIODO DE PRÁCTICA

2.1 PERFIL DEL ANALISTA DE CREDITOS E# a"a#&ta $e cr0$to $e=e c,%/#r co" e# &(,e"te /er-#: 21 31 41 61 71 81

Co"oc%e"t Co"oc%e"to& o& "ece&aro& "ece&aro& e" e" e# .rea .rea eco")%caK eco")%caK co"ta=#eK co"ta=#eK + 5,r$ 5,r$ca1 ca1 Co" ca/ac ca/ac$a $a$$ $e a$a/ta a$a/tac) c)"" a# tra=a5o tra=a5o $e $e ca%/o ca%/o Re&/o"& Re&/o"&a=# a=#eK eK o"e&t o"e&too + co" a(re&' a(re&'$a $a$$ co%erc co%erca# a# Or(a" Or(a"Fa$o Fa$oKK co" "cat "cat'a 'a + %,+ =,e"a =,e"a /re&e"ta /re&e"tac) c)"" Co" caracter&tc caracter&tca& a& "otora& "otora& $e &er'co &er'co a# c#e"t c#e"te1 e1 Co"" ca/a Co ca/ac c$a $a$$ $e a$a/ a$a/ta tar& r&ee a #a c,#t c,#t,r ,raa + co&t co&t,% ,%=r =re& e& $e# $e# /re& /re&ta tata tar roo $e

%croe%/re&a&1 1 Co Co"" a#ta a#ta&& c,a# c,a#$ $a$ a$e& e& ,%a"a ,%a"a&1 &1


<1 D&/ D&/,e ,e&t &too a $e&e $e&e%/ %/e ear ar&e &e =a5o =a5o ," e&, e&,e% e%aa $e /re& /re&) )"" $e tra= tra=a5 a5oo /ara /ara e# c,%/#%e"to $e #a& %eta&1 >1 Co Co"" 'a#ore 'a#ore&& + 0tca 0tca /ro-e /ro-e& &o" o"a# a# 2@1 Hac#$a$e& /ara re$actar "-or%e& "-or%e& co%erca#e& + $e re&(o cre$tco1

2.2 ACTIVIDADES REALIZADAS a = c $ e - (   5  # %

L#e"a$o L#e"a$o $e Co"tr Co"trato ato&& + Pa(ar0& Pa(ar0& a #a& Soc Soca& a& Acta $e Co%/ro%&o $e Pa(o So#c So#ct t,$ ,$e& e& $e $e Cr0$ Cr0$t too E&ta$ E&ta$o& o& -"a -"a"c "ce ero ro&& P#a" P#a" $e I"'e I"'er& r&) )"" Nota& Nota& $e $e Pr% Pr%er er Re, Re,er% er%e"t e"too $$ee Pa(o Pa(o Nota& Nota& $e Se(," Se(,"$o $o Re,e Re,er% r%e" e"to to $e Pa(o Pa(o Nota& Nota& $e Ter Tercer cer Re,e Re,er% r%e"t e"too $e Pa(o Pa(o Cta Ctac co" o"e& e& $e $e A=o A=o(a (a$o $o L#e"a$o& $e Scor"( Ctac Ctac)" )" $e# $e# O-c O-ca# a# $e $e Cr0$t Cr0$too Cta Ctac c)" )" E"tr E"tre( e(aa $e $e D" D"ero ero Car#a So=re Co"trato Co"trato + Pa(ar0 Pa(ar0

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E*&te" certo& e&/aco& $e %e5ora e" #a tra"&/are"ca $e #a "-or%ac)"1

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coo/erat'a /er%te e# =,e" %a"e5o $e #a& co"tro'er&a&1 La COMI?MUL $&/o"e $e ," /ro(ra%a e$,cat'o /ara &,& a-#a$a& "c#,&'e $e %)$,#o& e&/ec-co& &o=re te%.tca& -"a"cera& ta#e& co%o: (e&t)" $e cr0$toK ca/ta# /ro/o + e"$e,$a%e"toK %a"e5o $e aorroK

/re&,/,e&toK /#a"-cac)" $e (a&to&1  La& &oca& /arece" =a&ta"te co"&ce"te& $e #a& act'$a$e& $e #a "&tt,c)"1 

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2.> DESEMPEO FINANCIERO E# %/orta"te crec%e"to $e #a cartera $e cr0$to 83 e" 5,#o 3@2@! 5,"o 3@22 + 7> e" 3@2@ + #a a$ec,a$a ca#$a$ $e #a cartera CeR4@ $e# 3K> a 5,"o 3@22 $e%,e&tra" #a ca/ac$a$ $e rec,/erac)" + co"&o#$ac)" $e COMI?MULK #,e(o $e e"-re"tar #a cr&& /o#tca + -"a"cera $e 3@@>1 Lo& re&,#ta$o& $e re"ta=#$a$ + &o&te"=#$a$ $e# #t%o /ero$o &o" =,e"o& ROE $e# K + "'e#e& $e /ro$,ct'$a$ $ecrece"te&1 Se co"-r%a ," a$ec,a$o "'e# $e &o#'e"ca /atr%o"a# co" e&/aco /ara %a+or a/a#a"ca%e"to1! La e&tr,ct,ra $e# /a&'o e& /re$o%"a$a /or ,"  $e o=#(aco"e& e*ter"a&K e'$e"ca"$o ,"a #%ta$a ca/ac$a$ $e ca/tac)" $e $e/)&to&1 E" 3@22 &e a rea#Fa$o ,"a re"(e"era or(a"Faco"a# co" #a creac)" $e #a ,"$a$ $e re&(o& + e# -orta#ec%e"to $e# $e/arta%e"to $e cr0$to + $e# .rea $e &&te%a& e# e,/o (ere"ca# e&t. e" eta/a $e e%/o$era%e"to aca #a to%a $e $ec&o"e& e-ect'a1! Co" e# act,a# ta%ao I"&tt,co"a# + #a ca/ac$a$ $e crec%e"to $e%o&tra$aK &e e'$e"ca" co%o reto& e# -orta#ec%e"to $e#


&&te%a $e co"tro# "ter"oK #a a$ec,ac)" $e ," &&te%a tra"&acco"a# "te(ra$o + #a e&tr,ct,rac)" $e #a -,"c)" $e a$%"&trac)" $e re&(o&1 COMI?MUL a e*/er%e"ta$o ," &("-cat'o crec%e"to $e #a cartera $e cr0$to e" #o& $o& #t%o& /ero$o& ,e #e a" /er%t$o co"tro#ar #o& "'e#e& $e e-ce"ca1! De ecoK #a ta&a $e re"$%e"to $e #a cartera $e# 4>K< e" e# /ero$o 5,#o 3@2@!5,"o 3@22K #e /er%te c,=rr ,"a e&tr,ct,ra $e co&to& "-#a$a /or ," "'e# $e e-ce"ca "&tt,co"a# a#to ta&a $e (a&to& o/erat'o& $e# 33K8 e" 5,#o 3@2@!5,#o3@22 -re"te a ," cr0$to /ro%e$o otor(a$o $e US31232 e" e# #t%o /ero$o1 Lo& "'e#e& $e re"ta=#$a$ =,e"o& ROE $e#
2.? PROTECCION AL CLIENTE a E'tar e# &o=re e"$e,$a%e"to: E# &ector %cro -"a"cero $e 9o"$,ra& e& %,+ a%/#o co" ,"a $'er&$a$ $e /ro'ee$ore& $e# &er'co $e cr0$to ta"to $e "&tt,co"e& =a"cara& co%o "o =a"cara&K &t,ac)" ,e /re$ce ," a#to "'e# $e &o=re e"$e,$a%e"to $e #a& c#e"te&1 S =e"K #a e'a#,ac)" $e #a ca/ac$a$ $e /a(o a/#ca$a /or COMI?MUL e" (e"era# e& a$ec,a$aK ,e$a e&/aco $e %e5ora ta"to e" #a a/#cac)" e&ta"$arFa$a e"tre &,c,r&a#e& a& co%o e" #a "cor/orac)" $e otra& erra%e"ta& %.& e&/ec-ca&1! De ecoK #a e'a#,ac)" $e ca/ac$a$ $e /a(o $e #o& c#e"te&K &e =a&a ta"to e" ," a".#&& c,a"ttat'o co%o c,a#tat'o $e #a c#e"te1


La $eter%"ac)" $e #a ca/ac$a$ $e /a(o &e -,"$a%e"ta e" e# "(re&o $&/o"=#eK %.& ," -actor $e re&(o ,e $eter%"a e# #%te %.*%o $e e*/o&c)" e" &,& o/eraco"e& ,e corre&/o"$e a# 7@1 = H5ar #o& /reco& $e %a"era tra"&/are"te: La e&tr,ct,ra $e co&to& e& co%,"ca$a a# c#e"te a# %o%e"to $e# $e&e%=o#&o $e# cr0$to + e&ta=#ec$a $e %a"era -or%a# e" e# co"tratoK $o"$e &e e&/ec-ca #a& co"$co"e& /r"c/a#e& $e# cr0$to,e a "cre%e"ta$o re&/ecto a# 3@@> e" %.& $e ," 2@@ e# &a#$o $e #a cartera +K e" ," 46 e# %o"to $e cr0$to $e&e%=o#&a$oK &" e%=ar(o "o &e %e"co"a e# %o"to $e #o& (a&to& /or cerreK co=ra$o a# %o%e"to $e ca$a $e&e%=o#&o6 $e# %o"toK a$e%.& "o &e a $e&arro##a$o ," &&te%a $e co%,"cac)" e&tr,ct,ra$o $e #a ta&a $e "ter0& e-ect'a1 E# co"trato + /a(ar0 &e #e $a #ect,ra a #a &ocaK /ara "-or%ac)" $e# %o"to $e# cr0$to $e&e%=o#&a$oK #a ta&a $e "ter0& "o%"a# + e# "ter0& /or %ora ,e $eta##a $e -or%a %.& /rec&a #a& co"$co"e& $e# cr0$toca/ta# e "tere&e& to$o& e&to& $oc,%e"to& &e ,e$a" e" e# e*/e$e"te $e ca$a c#e"te1 La coo/erat'a a 'e"$o %/,#&a"$o #a co"ce"ca -"a"cera $e #a& &oca&K e&tr,ct,ra"$o co" HUDEIMHA %)$,#o& $e ca/actac)" /ara #a& a-#a$a&K ,e co"&$era co%/o"e"te& $e e$,cac)" -"a"ceraK + ,e e&t. &,/e$ta$a a #o& /ro+ecto& &oca#e& ,e %a"e5a" ," co%/o"e"te $e cr0$to c E&ta=#ecer /r.ctca& $e co=ra"Fa& a/ro/a$a&: E" (e"era# #a& /r.ctca& $e co=ra"Fa& a/#ca$a& /or e# /er&o"a# $e COMI?MUL &o" ace/ta=#e& + &e e"c,e"tra" -or%a#Fa$a& e" e# Ma",a# $e Cr0$toK &" e%=ar(o "o &e a" $e-"$o /o#tca& o $rectrce& e" e# c)$(o $e 0tca /ara (ara"tFar e# co%/orta%e"to /ro/co /or /arte $e# /er&o"a# e" e# /roce&o $e rea$ec,ac)"K #o ,e $e5a e&/aco /ara co%/orta%e"to $e co=ro a(re&'o1! A& ta%=0" &e co"te%/#a #a /o#tca $e $ac)" e" /a(oe"tre(a $e =e"e& /ara c,=rr #a $e,$aK + #a /o&=#$a$ $e ," /a(o -orFo&o $e #a $e,$a a tra'0& $e ,"a 'a #e(a# a"te& $e a(otar to$a& #a& "&ta"ca& $e co=ro1


$ De%o&trar ," co%/orta%e"to 0tco: COMI?MUL c,e"ta co" ," c)$(o $e 0tca ,e /re&e"ta #o& 'a#ore& + /r"c/o& "&tt,co"a#e& aca ," co%/orta%e"to 0tco + $e re#aco"e& a$ec,a$a& co" #o& c#e"te&K ,&,aro& + a-#a$o& co%erca#e&K &" e%=ar(o ,e$a e&/aco $e %e5ora e" #a &oca#Fac)"

2.@SUJETO DE CR!DITO Se co"&$era" &,5eto $e cr0$to a #a& /er&o"a& "at,ra#e& a& co%o (r,/o& "-or%a#e& or(a"Fa$o& +

a-#a$o& a #a coo/erat'aK ,e c,%/#a" co" #o&

&(,e"te& re,&to& + ,e a+a" &$o ca#-ca$o& a tra'0& $e ," a".#&& t0c"co: a De=e &er %,5er + e&tar a-#a$a a #a coo/erat'a1 = ;,e &ea" %a+ore& $e e$a$ 32 ao& + %e"ore& a 87 ao& ta"to #a &oca ,e &o#cte e# /r0&ta%o co%o #a& /er&o"a& ,e &ea" a'a#e&1 e*ce/to c,a"$o &e trate $e /ro+ecto& + /ro(ra%a& e&/eca#e&1 c S, '"c,#ac)" co%o a-#a$a a #a coo/erat'a "o &ea "-eror a ," %e& o e" ca&o& e&/eca#e& a crtero& $e# (ere"te $e -#a#1 $ ;,e te"(a" ,"a act'$a$ /ro$,ct'a $e-"$a o $e%,e&tre "(re&o& eco")%co& certo&1 e ;,e c,e"te co" ca/ac$a$ $e /a(o $e=$a%e"te co%/ro=a$o1 - ;,e o-reFca (ara"ta& &at&-actora&1 ( E&tar &o#'e"te e" e# /a(o $e a/ortaco"e& + otro& co%/ro%&o& $er'a$o& $e &, ca#$a$ $e a-#a$o1  Co"tar co" &tora# cre$tco ace/ta=#e1  De%o&trar ca/ac$a$ /ara e5ec,tar e# /ro+ecto e" ,e ar. #a& "'er&o"e& corre&/o"$e"te&1 5 Po&eer &o#'e"ca eco")%ca + %ora# + e&tar e" /#e"o (oce $e &,& $ereco& c'#e&1  ;,e &ea" e"t$a$e& c,+o o=5et'o /r"c/a# "o &ea e# #,cro1 # ;,e &, act'$a$ (e"ere "(re&o& certo& + co%/ro=a$o&1 % ;,e /ro'ea" "-or%ac)" -"a"cera &,-ce"te /ara

e#

a".#&&

corre&/o"$e"teK ta#e& co%o /#a" $e "'er&)"J/re&,/,e&toK e&ta$o $e re&,#ta$o&K =a#a"ce -r%a$o /or co"ta$or a,torFa$o1 " Pre&e"tar co/a $e# $oc,%e"to ,e -or%a#Fa &, &t,ac)" eco")%ca1 a Para e# /ro/etaro $e# "e(oco: !

Per%&o $e o/erac)" act,a#Fa$o1


! ! ! ! !

Co/a $e /a(o $e %/,e&to& %,"c/a#e&1 Ve"ta& J "(re&o&1 Re"ta=#$a$ $e# "e(oco1 A"t(e$a$ e" e# #oca#1 E*/ere"ca #a=ora#1

= E%/#ea$o& $e e%/re&a /r'a$a o $e (o=er"o %ae&tro&1 !

Co"&ta"ca $e tra=a5oK ,e %e"co"e &, &,e#$o "eto co" $e$,cco"e&K te%/o $e #a=orar a"t(e$a$ $e=$a%e"te -r%a$a

! ! ! ! !

+ &e##a$a /or e# re/re&e"ta"te $e #a e%/re&a1 ;,e "o te"(a e%=ar(o /or $e,$a o /or a#%e"tac)"1 Bo,cer $e /a(o1 Co/a $e #a $e"t$a$1 Re-ere"ca& cre$tca& $e otra& "&tt,co"e&1 Gara"ta cre$tca1

! A'a#e& $e/e"$er. $e# %o"to &o#cta$oK /re&e"tar co"&ta"ca $e tra=a5o + $e &er %,5ere& $e=er." e&tar a-#a$a& a #a coo/erat'a1 c Pre&e"tar co/a $e# /ro+ecto $e "'er&)" o e# $eta##e $e #a ,t#Fac)" $e# /r0&ta%o &o#cta$o1

2. NO CALIFICABLES DE CR!DITO La& 'ara=#e& a &er a"a#Fa$a& + ,e /,e$e" $ar ,"a ca#-cac)" a$'er&a co%o &,5eto $e cr0$to &era" #a& &(,e"te&: a I"&,-ce"te "%ero $e re-ere"ca& $e cr0$to1 = Re-ere"ca& $e cr0$to "ace/ta=#e& o #%ta$o&1 c So#ct,$ $e /r0&ta%o "co%/#eta /or "o /ro/orco"ar to$a #a "-or%ac)"1 $ No &e e"c,e"tra" #a& -,e"te& $e re-ere"ca& $e cr0$to1 e No &e /,e$e 'er-car &t,ac)" $e e%/#eo o -,e"te $e (e"erac)" $e - (   5  # % "

"(re&o&1 I"&,-ce"te te%/o $e e%/#eo1 Ba5a ca/ac$a$ $e /a(o1 So#ct,$ e*ce$e "(re&o& %e"&,a#e&1 No &e a /o$$o 'er-car e# %o"to $e "(re&o&1 No &e /,e$e 'er-car &, re&$e"ca1 E*/ere"ca $e cr0$to $e&-a'ora=#e1 O=#(aco"e& $e cr0$to e" %ora1 O=#(aco"e& $e cr0$to e" e5ec,c)"1 E%=ar(o o rete"co"e& $e &,e#$o '(e"te&1


o ;,e=ra1 / I"&,-ce"te 'a#or $e #a (ara"ta1  So=re e"$e,$a%e"to1

2.NORMAS DE CREDITO W;,0"e& &o" #a& &oca& $e %e"or re&(oX a M,5ere& e&/eca#%e"te co" 5o&1 = Ma+ore& $e 4@ ao&1 c Co" e*/ere"ca co%/ro=a$a e" #a act'$a$ $e #a %croe%/re&a %a+or a $ e - ( 

3 ao&1 Co" ''e"$a /ro/a o #oca# /ro/o1 A"t(e$a$ e" #oca# o &to $e tra=a5o co" %.& $e 4 ao&1 Re"ta=#$a$ %a+or a 27 &o=re 'e"ta&1 ;,e %,e&tre" =,e"a #,$eF1 Co" e*ce$e"te& $&/o"=#e& -a%#ar $e e"tre e# 6@ + 8@ $e &, "(re&o -a%#ar ,t#$a$ %croe%/re&a Y otro& "(re&o& -a%#a1

21

2.PROCEDIMIENTOS PARA OTORAR CR!DITO A SOCIAS La &oca e& ate"$$a /or #a a"a#&ta o a,*#ar $e a"a#&ta ,e" e& #a

31

/er&o"a ,e rec=e #a $oc,%e"tac)" + #a re'&a1 Se &o#cta" #o& $oc,%e"to& "ece&aro& co%o &er: #a tar5eta $e $e"t$a$ co/a co"&ta"ca $e tra=a5o or("a# & #a &oca tra=a5aK /er%&o $e o/erac)" co/a & #a &oca te"e "e(ocoK e&crt,ra& $e #a /ro/e$a$ e" ca&o $e ,e e# /r0&ta%o &o#cta$o &ea /otecaroK $e"t$a$e& $e #o&

41

a'a#e& co/a&K co"&ta"ca $e tra=a5o $e #o& a'a#e& or("a#e&1 Se re'&a ,e to$a #a $oc,%e"tac)" re,er$a e&t0 co%/#eta /ara /o$er

61

&e(,r co" e# /roce&oK $e "o e&tar co%/#eta &e $e',e#'e1 Se "(re&a #a "-or%ac)" a# &&te%a &cor"( /ara &a=er & #a &oca e& re&(o&a o "oK $e "o &er#o &e co"t",a co" e# /roce&oK $e &er re&(o&a &e

71

recaFa #a &o#ct,$1 Se #e &o#cta to$a #a "-or%ac)" a #a &ocaK ,e ##e'a e# -or%ato &o#ct,$ $e /r0&ta%o /er&o"a#[ a$5,"toK co%o &er: De&t"oK /#aFoK "o%=reK a/e##$o + &,& $ato& (e"era#e& $eta##e $e /ro/e$a$e&K 'ec,#o& + acco"e& e&ta$o& -"a"cero& "c#,+e"$o c,e"ta& $e# c)"+,(e & #a &oca #o te"e re-ere"ca& $e cr0$to + a%(o& o -a%#are& &e(,$a%e"te #a "-or%ac)" $e #o& a'a#e&1


81

Se /roce$e a rea#Far #a &,/er'&)" /or #o& o-ca#e& $e cr0$to #o& c,a#e& $e=e" 'er-car #a $recc)" $e $o%c#o $e #a &ocaK & te"e "e(oco rea#Far #a $e=$a &,/er'&)"K &e rea#Fa e# re&/ect'o a'a#,) $e ca%/o /ara 'er-car ,e #o& $ato& $e #a e&crt,ra co"c$a" co" e# terre"oK + ,e

1

$co& $ato& re"a" #o& re,&to& /ara otor(ar e# /r0&ta%o1 Se #e $e=e rea#Far ,"a &,/er'&)" a #o& a'a#e& /ara co%/ro=ar #o& $ato& /ro/orco"a$o& /or #o& %&%o&K & &o" ace/ta=#e& #o& $ato&K e&to& a/r,e=a" co%o a'a#e&K + & "o &e recaFa" + &e #e ace &a=er a #a &oca

<1

/ara ,e a(a e# ca%=o $e a'a#e&1 E# o-ca# $e cr0$to $a &, $cta%e" &o=re #a e'a#,ac)" + &,/er'&)" ,e

>1

rea#F) + #e $a e# tr.%te a #a a"a#&ta $e cr0$to1 La a"a#&ta $e cr0$to re'&a to$a #a $oc,%e"tac)"K & e&t. co%/#eta #a

2@1

/a&a a# co%t0 $e cr0$toK & "o &e $e',e#'e /ara ,e &ea co%/#eta$a1 E# co%t0 $e cr0$to &e e"car(a $e re'&ar to$a #a $oc,%e"tac)" 5,"to co" e# $e/arta%e"to $e re&(o ,e"e& ##e(a" a #a co"c#,&)" $e & &e

221

a/r,e=a e# cr0$to o "o1 La& re&o#,co"e& &o#o &o" -r%a$a& /or #a /re&$e"taK &ecretaraK + #o& $o&

231

'oca#e&K + #o& cr0$to& &o" a"ota$o& e" e# #=ro $e co"tro# $e cr0$to&1 U"a 'eF a/ro=a$o e# cr0$to &e /a&a" a# $e/arta%e"to $e co"ta=#$a$ /ara #a e#a=orac)" $e ce,eK + e" cr0$to &e e#a=ora" #o& $oc,%e"to&

241

#e(a#e& /a(ar0&K co"trato& etc1 Pre'o a #a e"tre(a $e# ce,e /or e# De/arta%e"to $e Cr0$toK &e re,ere $e #a -r%a& ta"to $e #a &oca co%o &e &,& a'a#e& ,"a 'eF

e"tre(a$o e# ce,e a #a &ocaK &e /a&a a ca5a /ara &, ca%=o -"a#1 Nota: &e%/re ,e$a ,"a co/a $e# Bo,cer e" e# e*/e$e"te $e #a &oca1

2.10SCORIN Scor"( &e re-ere a# ,&o $e co"oc%e"to &o=re e# $e&e%/eo + caracter&tca& $e /r0&ta%o& e" e# /a&a$o /ara /ro"o&tcar e# $e&e%/eo $e /r0&ta%o& e" e# -,t,ro1 A&K c,a"$o ," a"a#&ta $e cr0$to 'a#ora e# re&(o co%/ara"$o %e"ta#%e"te ,"a &o#ct,$ $e cr0$to e" e# /re&e"te co" #a e*/ere"ca ,e e&te %&%o a"a#&ta a ac,%,#a$o co" otro& c#e"te& co" &o#ct,$e& /arec$a&K e&t. a/#ca"$o &cor"(K a,",e &ea ," &cor"( %/#cto + &,=5et'o1 De (,a# %a"eraK c,a"$o ," %cro /re&ta%&ta a$o/ta ,"a /o#tca $e


"o re"o'ar /r0&ta%o& a c#e"te& ,e a" te"$o atra&o& %a+ore& a 4@ $a& e" &, /r0&ta%o a"terorK e&t. a/#ca"$o &cor"(K a,",e &ea ," &cor"( &%/#e + ,"$%e"&o"a#1 Por e&oK a,",e e# "o%=re &cor"( /,e$e &o"ar ",e'o e" %cro -"a"Fa&K e& ,"a /r.ctca a"t(,a1 E# &cor"( e&ta$&tco trata $e# ,&o $e co"oc%e"to c,a"ttat'o acerca $e# $e&e%/eo + caracter&tca& $e /r0&ta%o& /a&a$o& re(&tra$o& e" ,"a =a&e $e $ato& e#ectr)"ca /ara /ro"o&tcar e# $e&e%/eo $e /r0&ta%o& -,t,ro&1 La e'a#,ac)" $e# re&(o $e "c,%/#%e"to $e /a(o $e ,e"e& tra=a5a" /or c,e"ta /ro/a e& e# $e&a-o /r"c/a# $e #a& %cro -"a"Fa&1 9a&ta #a -ecaK #a& ""o'aco"e& e" %cro -"a"Fa& a" &$o e# ,&o $e (r,/o& &o#$aro& + $e e'a#,aco"e& $eta##a$a& $e #o& &o#cta"te& $e cr0$to "$'$,a# &cor"( /ro%ete &er e# &(,e"te &a#to e" e-ce"ca1

2.11PLAN DE INVERSION L&ta$o $e #o& act'o& + e# ca/ta# $e tra=a5o ,e 'a%o& a re,err a"te& $e "car o/eraco"e&K co" &,& re&/ect'o& co&to& + (a&to& e&t%a$o&1 P#a" $e "'er&)" "ca# &,(er$o ca"t$a$ $e&cr/c)" /reco co&to ,"taro tota# e,/o + erra%e"ta&: Matera /r%a: %a"o $e o=ra: co&to& "$recto&: tota# "'er&)" "ca#1

2.12RESUMEN PLAN DE INVERSION E" e&ta eta/a &e $e&arro##a" #a& /ro+ecco"e& $e #o& "(re&o& + e(re&o& ,e o=te"$r. e# "e(oco ,"a 'eF /,e&to e" o/erac)"K #o& "(re&o& e&t." =.&ca%e"te co"-or%a$o& /or #a& 'e"ta&K %e"tra& ,e #o& e(re&o& "c#,+e": co&to& "$recto&K co&to& $recto&K (a&to& $e a$%"&trac)"K (a&to& $e 'e"ta&K (a&to& -"a"cero& +


otro&1 Para #a e#a=orac)" $e e&te c,a$ro e& "ece&aro $eter%"ar /re'o e# /reco $e 'e"ta ,"taro + e# /reco $e co&to ,"taro1

2.1
2.1>AVISOS DE NOTAS RECORDATORIOS DE VENCIMIENTO La coo/erat'a a tra'0& $e# /er&o"a# re&/o"&a=#e $e #a co=ra"FaK a/#car. #o& %eca"&%o& $e co=ro a$ec,a$o a# e&ta$o e" ,e &e e"c,e"tre" #a& o=#(aco"e& e" %ora1 21! L#a%a$a Te#e-)"ca1 A /artr $e# /r%er $a $e 'e"c$a ,"a c,otaK &e #e $e=e acer ,"a ##a%a$a te#e-)"ca a #a &oca /ara recor$ar#e ,e &, cr0$to a ca$o e" %ora + e&to (e"era "tere&e& /or #o ,e $e=e /re&e"tar&e a rea#Far &,& /a(o&1 Para e&to &e $e=er. ,t#Far e# -or%ato corre&/o"$e"te /ara $e5ar e'$e"ca e&crta $e #a (e&t)" $e co=ro e-ect,a$a1 31! Pr%era Nota $e Co=ro1 De"tro $e #o& c"co $a& &(,e"te& a# 'e"c%e"to tota# o /arca# $e #a o=#(ac)" &e e"'ara #a /r%er "ota $e

co=ro a #a &oca + a'a#e&K #a

c,a# "o ##e'a /#aFo $e-"$o $e /a(o e& ," recor$atoro $e co"te"$o a%a=#e + ,"a "'tac)" a /a(ar e" =,e"o& t0r%"o&1 41!Se(,"$a Nota $e Co=ro1


E&ta "ota &e e"'a ,"ce 27 $a& $e&/,0& $e a=er e"'a$o e# /r%er recor$atoro $e /a(o (,a#%e"te a #a &oca + #o& a'a#e& $."$o#e ," /#aFo $e 'e"tc,atro 36 ora& /ara ,e &e /re&e"te a #a coo/erat'a /ara ##e(ar a ," ac,er$o e*tra5,$ca#1 De"tro $e #a "ota ta%=0" &e otor(a ," /#aFo %.*%o /ara #a ca"ce#ac)" $e #a& c,ota& atra&a$a& $e ,"ce 27 $a& ca#e"$aro + e# &a#$o tota# a #a -eca1 61! Tercera Nota $e Co=ro1 E&ta "ota &e e"'a e# $a &(,e"te e" ,e a e*/ra$o e# /#aFo otor(a$o e" #a &e(,"$a "ota $e co=ro1 E& ,"a co%,"cac)" e" $o"$e &e -5a ,"a /o&c)" e*tre%a + &e "ot-ca a# $e,$or /r"c/a# + a &,& co$e,$ore&K -or%a#%e"teK ,"a actt,$ $e co=ro 5,$ca# /ero a# %&%o te%/o &e $e5a a=erta #a /o&=#$a$ $e /#a"tear &o#,co"e& $e /a(o /or #o& ca"a#e& "&tt,co"a#e& + $e"tro $e #a& /o#tca& $e arre(#o '(e"te&K co%o #a re&tr,ct,rac)" o #a /r)rro(a1 La co/a $e #a /re&e"te "ota $e co=roK &e $e=e arc'ar "'ara=#e%e"te e" e# -)#$er $e cr0$to $e# $e,$or1 La coo/erat'a $e=e te"er e'$e"ca e&crta %e$a"te cert-ca$o o ac,&o $e rec=o $e #a e"tre(a $e #a "ota o co=ro1 E# /#aFo %.*%o a otor(ar a #o& $e,$ore& $e"tro $e e&ta "ota $e co=roK "o /o$r. &er &,/eror a ,"ce 27 $a& ca#e"$aroK co"ta$o& a /artr $e #a -eca $e e"'o $e #a re&/ect'a co%,"cac)"1

2.1?COBRO JUDICIAL U"a 'eF a(ota$a& #a& eta/a& a"terore&K e*/ra"$o e# /#aFo "o %a+or a 'e"te 3@ $a&K otor(a$o e" #a eta/a $e co=ro /re!5,r$co1 Se rea#Fa #a $e%a"$a (e"era#%e"te a tra'0& $e #o& a=o(a$o& e*ter"o&1


E# a=o(a$o e*ter"o a tar-aK e& ," rec,r&o ca#-ca$o $e co=ro e# c,a# te"e co%o %&)" /r"c/a# $e"tro $e ," e&,e%a $e co=ra"Fa&K /o"er e" %arca to$o& #o& %eca"&%o& #e(a#e& ,e &e $er'e" $e #a& (ara"ta& cre$tca& e*te"$$a& /or ," $e,$orK co" e# -" $e o=te"er e# /a(o -orFo&o $e #a& &,%a& $e $"ero a$e,$a$a& a #a e"t$a$ /or e&ta 'a #e(a# &e /er&(,e e# /atr%o"o re%ate $e# o=#(a$o /r"c/a# +Jo $e &,& co$e,$ore&K /ara ,e co" e# /ro$,cto $e #a 'e"ta $e #o& =e"e&

,e "te(ra" $co /atr%o"oK &e &at&-a(a" #a

tota#$a$ $e #o& cr0$to& a$e,$a$o& a #a coo/erat'a1


CAP:TULO III <.G APORTACIONES PARA MEJORAR LOS PROCEDIMIENTOS O PROCESOS EN LA EMPRESA PROECTO= PROMOCION  PUBLICIDAD

<.1 INTRODUCCION. E" #a act,a#$a$K #a Coo/erat'a M*ta M,5ere& U"$a& L%ta$a COMI?MUL =,&ca e# %e5ora%e"to $e #a& /r.ctca& $e /ro%oc)" + /,=#c$a$ =,&ca"$o o=te"er re&,#ta$o& /ro$,ct'o& $e #a %.& a#ta ca#$a$K /ara =r"$ar e# %e5or &er'co "te(ra# a &,& &oca&K co"&$era"$o ,e #a e%/re&a &er. e'a#,a$a -,"$a%e"ta#%e"te /or #a ate"c)" + &er'co& ,e o-rece1


Ba&."$o%e e" #a "'e&t(ac)" rea#Fa$a co" #a& &oca& $e #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a& COMI?MUL ,e a&&te" a $aro a &o#ctar #o& &er'co& $e e&ta e%/re&aK &e $&e) ," /#a" $e /,=#c$a$ + /ro%oc)" /ara #a coo/erat'a + e&/eca#%e"te /ara #a /ro%oc)" $e #o& ",e'o& oraro& $e ate"c)" + ",e'o #oca#K co" #a -"a#$a$ $e ,e a tra'0& $e 0&te &e "cre%e"te #a $e%a"$a $e #o& &er'co&1 E# /#a" te"e co%o -"a#$a$ /ro%o'er #o& &er'co& ,e =r"$a #a coo/erat'a

+ a# %&%o te%/o /ro%o'er e# .rea $e cr0$to&K +a ,e co"ta"$o

co" #a a/#cac)" $e ,"a /,=#c$a$ e-ect'a /,e$e "cre%e"tar&e #a $e%a"$a $e #o& &er'co&1 La ca%/aa /,=#ctara e& ," /#a" $e /,=#c$a$ a%/#o /ara ,"a &ere $e a","co& $-ere"te&K /ero re#aco"a$o&K ,e a/arece" e" $'er&o& %e$o& $,ra"te ," /ero$o e&/ec-co1 La ca%/aa e&t. $&ea$a e" -or%a e&trat0(ca /ara #o(rar ," (r,/o $e o=5et'o& + re&o#'er a#(,"o& "co"'e"e"te& ,e &e /re&e"te" e" #a coo/erat'a1 U"a =,e"a e&trate(a /,=#ctara &e%/re &e e"-oca e" #o(rar #o& %e5ore& re&,#ta$o&K co" #a %e"or "'er&)" + ,t#Fac)" $e rec,r&o&1 No&otro& trata%o& &e /ro&e(,r #a& #"ea& $e a/o+o ,e re/re&e"ta ,"a e*ce#e"te e&trate(a $e %erca$eo /ara $e e&te %o$o #o(rar ," tra=a5o -"a# ,e ##e"e &,& e*/ectat'a&1

<.2 PLANTEAMIENTO DEL PROBLEMA Co" e# $a("o&tco a/#ca$oK e# a".#&& -"a"cero + otra& o=&er'aco"e& rea#Fa$a& e" #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a& COMI?MULK &e ##e() a #a co"c#,&)" ,e ,"a $e #a& /r"c/a#e& $e=#$a$e&K e& #a -a#ta $e /ro%oc)" + /,=#c$a$ /ara $ar a co"ocer a# /=#co e&/eca#%e"te a #a& &oca& $e #a coo/erat'a #o& ",e'o& oraro& $e ate"c)" + /ro%oco"ar e# /r)*%o tra&#a$o a #a& ",e'a& "&ta#aco"e& $e #a coo/erat'a1 Por #o ,e #a /ro%oc)" + /,=#c$a$K 'e"e" a &er #a& erra%e"ta& $e $e&arro##o =.&ca& /ara a$,rr to$o #o a"te& e*/,e&to %e$a"te co"'e"o&K (e&to"e& + tra=a5o e" e,/o1

<.2.1 PREUNTAS DE INVESTIACION


W;,0 &e /,e$e acer /ara /o$er atraer %.& &oca&X WC)%o &e ar. /ara ,e &e $e" a co"ocer #o& ",e'o& oraro& $e ate"c)" ,e o-rece #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a& COMI?MUL a #o& c#e"te& + &oca&X

<.2.2 PLAN DE RECOLECCIÓN DE INFORMACIÓN PREGUNTAS:

E?PLICACION:

21 WPara ,0X

Para a#ca"Far #o& o=5et'o& $e #a

31 WA ,0 /er&o"a&X 41 WSo=re ,0 a&/ecto&X 61 W;,0"X 71 WC,a"$oX 81 WL,(ar $e reco#ecc)" $e #a "-or%ac)"X 1 WC,."ta& 'ece&X <1 W;,0 t0c"ca $e reco#ecc)"X >1 WCo" ,0X

"'e&t(ac)"1 Pote"ca#e& &oca&1 So=re #a /ro%oc)" $e #o& &er'co& ;,e /re&ta #a COMI?MUL /ara #a ca/tac)" $e ",e'a& &oca&1 E# "'e&t(a$orJ/ractca"te UCENM D,ra"te e# /ero$o $e /r.ctca /ro-e&o"a# La coo/erat'a %*ta %,5ere& ,"$a& COMI?MUL1 La& 'ece& ,e &ea" "ece&ara&1 E"c,e&taK e"tre'&ta1 C,e&to"aro1

<.< OBJETIVO ENERAL Dotar $e "-or%ac)" "te(ra# + $eta##a$a a# /=#co e" (e"era# /ro'e+e"$o #a& erra%e"ta& + co"oc%e"to& act,a#Fa$o& $e #o& &er'co& -"a"cero& ,e o-rece #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK /ara %a"e5ar $e -or%a e*to&a + e-ect'aK #o& (ra"$e& $e&a-o& ,e %/o"e" #o& co"t",o& ca%=o& ,e &e &,&cta" e" e# e"tor"o + e# %erca$oK /er%t0"$o#e $e&arro##ar&e co%/ett'a%e"te e" e# .rea $e %erca$eo1

<.> OBJETIVOS ESPEC:FICOS 21 I"cre%e"tar #a /artc/ac)" $e #a coo/erat'a $e"tro $e# %erca$o -"a"cero1


31 41 61 71

81

Dar a co"ocer #a Coo/erat'a &, ,=cac)" + #o& &er'co& ,e o-rece1 Ma"te"er a #a& act,a#e& &oca& e" #a "&tt,c)"11 Atraer %e$a"te 'ara& e&trate(a&K a ",e'a& &oca&1 Lo(rar e# 0*to co%erca# $e# &er'co $e aorro coo/erat'&ta1 Sat&-acer #a& "ece&$a$e& -"a"cera& $e #a& &oca&1

<.? JUSTIFICACIÓN E& $e (ra" %/orta"ca /ara #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a& COMI?MUL te"er ,"a $e-"c)" c#ara $e &, /ro/)&to + $e #a -or%a e" #a ,e $e&arro##a" #a& act'$a$e& /ara #o(rar#oK co" e# -" $e /o&eer ," /ar.%etro /ara %e5orar &,& %0to$o& + %e$r &,& re&,#ta$o& e" e# ca&o $e #a /ro%oc)" + /,=#c$a$K #a a,&e"ca $e e##o& #e a ##e'a$o a %/#e%e"tar /roce&o& &" ,"a e'a#,ac)" a$ec,a$a $e &, co"'e"e"ca + "o &e a a/reca$o #a %/orta"ca $e #a %/#e%e"tac)" $e acco"e& ,e /o$ra" a=er =e"e-ca$o a #a coo/erat'aK e&to "te"&-ca e# re&(o $e /er$erK #a /ro%oc)" + /,=#c$a$ $e%,e&tra ,"a ace/tac)" &at&-actora e" e# %erca$o act,a# + /o&=#$a$e& $e crec%e"to aca #a /re&tac)" $e %.& &er'co&1 Co%o #a COMI?MUL &e e"c,e"tra e" /roce&o $e crec%e"toK e# $e&arro##o $e e&te /ro+ecto #e a+,$ar. a #o(rar ,"a a$%"&trac)" e-ce"te $e &,& rec,r&o& + a=or$ar #o& /ro=#e%a& $e $ec&)" a #o& ,e &e e"-re"ta e# (ere"te $e e&ta I"&tt,c)" -"a"cera e" &, $a a $a e" e&te a&/ectoK #a (ere"ca 5,e(a &, /a/e# e" c,a"to a #o& /roce&o& ,e o-rece /ara $e&c,=rrK a"a#Far + re&o#'er ca$a /ro=#e%a e&/ec-ca%e"teK e"te"$e"$o ,e #a $'er&$a$ $e #a& &t,aco"e& a #a& ,e $e=e" acer -re"te #o& (ere"te& e& ta" a%/#a ,eK a$e%.& $e #a& t0c"ca& + #o& co"oc%e"to& a$%"&trat'o&K &e "ece&ta /er&o"a& co" caracter&tca& $e #$eraF(o + ca/ac$a$e& $e a=or$ar #a co%/#e5$a$ $e #a& &t,aco"e& $e %a"era a"a#tca + /ro/o&t'a1 Ca=e a"otar ,eK #a e*&te"ca $e# (ra" "%ero $e "&tt,co"e& -"a"cera& ,e &e "terre#aco"a" $e %a"era $-ere"te &e(" #a& caracter&tca& "$'$,a#e& $e ca$a &t,ac)" + #a $-ere"ca $e #a "at,ra#eFa $e #a& 'ara=#e& ,e "ter'e"e"K %/$e" ,e #a (ere"ca o-reFca ," %o$e#o -5o $e &o#,c)" e "'o#,cra ," a#to "'e# $e "cert$,%=re e" c,a"to a #o& re&,#ta$o& e&/era$o&K e&


/or e##o ,e e&ta /ro/,e&ta $e /ro%oc)" + /,=#c$a$ &er. $e ,t#$a$ e" #a %e$$a ,e &e 'ea co%o ,"a erra%e"ta $e a/o+oK ,e $e=e &er a$ec,a$a + a$a/ta$a &e(" #o& $e&a-o& -,t,ro& $e #a coo/erat'aK co" =a&e e" e# a".#&& + e# crtero $e (ere"te& "te#(e"te&K =e" /re/ara$o& + co%/ro%et$o& co" e# 0*to $e #a e%/re&a1

<.@ MARCO TEORICO <[email protected] LA PRESIÓN DE LA COMPETENCIA La /ro%oc)" + /,=#c$a$ $e=e to%ar e" c,e"ta e# a%=e"te $e #a co%/ete"ca1 Lo& re&/o"&a=#e& $e #a /#a"eac)" $e %e$o& "o &o#o te"e" ,e $e&arro##ar ,"a ca%/aa e-caF /ara ," &er'coK &"o ,e $e=e" acer#o $e %a"era ,e &, &er'co $e ate"c)" &ea %e5or ,e #a co%/ete"ca1 E# %a"te"er ," o5o ate"to a #a co%/ete"ca "o &e $e=e "ter/retar co%o ,"a -or%a $e tra=a5ar co" ,"a %e"ta#$a$ $e-e"&'a o co%o ,"a %era reacc)" aca #o ,e otra& "&tt,co"e& e&t." ace"$o1 Lo ,e &("-ca e" 'er$a$ e& ,e e& /rec&o to%ar ,"a $eter%"ac)" /r.ctca acerca $e ,e e& #o ,e /,e$eK e" e-ectoK #o(rar e# /#a" $e %erca$otec"a + /,=#c$a$ e#a=ora$a1 U"o $e #o& -actore& ,e $eter%"a" e# "'e# $e co"ce"ca $e #a /,=#c$a$ (e"era$a e& e# (ra$o e" ,e #a& &oca& e&t." &at&-eca& co" #o& &er'co& ,e /re&ta #a COMI?MUL $e #o& ,e ace" ,&o e" #a act,a#$a$1 De=e recor$ar&e ,e #a& &oca& ,e e&t." e"tera$a& $e &,& &er'co&K /ero ,e ","ca #o& a" &o#cta$oK ta# 'eF e&t0" &at&-eca& co" #o& &er'co& ,e /or #o (e"era# &o#cta"1 E& /o&=#e ,e te"(a%o& ,e reco"ocer ,e a#(,"o& &e(%e"to& $e# %erca$o "o /o$r." &er ca/t,ra$o&K "$e/e"$e"te%e"te co" #a ca#$a$ $e ",e&tra /,=#c$a$1 E" ta# ca&oK e# ca%=o $e #oca# &era ,"a e&trate(a %,+ a$ec,a$aK + #o %e5or &er. "tere&ar"o& /or otro& &e(%e"to& $e# %erca$o co" ",e'a& &,(ere"ca& /,=#ctara&K otra ,=cac)"K o a%=a& co&a&1


E# /,"to c#a'e e& ,e #a& &oca& $e=era" rea#Far ,"a e'a#,ac)" e*a,&t'a + &"cera $e #a &t,ac)" $e co%/ete"ca e" #a ,e &e e"c,e"tra"1 E" /r%er #,(arK &e $e=e /re(,"tar ,0 &er'co& /o$e%o& a(re(ar /ara &at&-acer a ",e&tra& &oca&1 E" &e(,"$o #,(arK &e $e=e te"er c#aro e" ,e (r,/o& $e a/o+o &e te"e e# %a+or + %e"or 0*to co" re#ac)" a #a co%/ete"ca1 E& /rec&o reco"ocer ,e e" ," %erca$o e" #a ,e /artc/a" $'er&a& "&tt,co"e& -"a"cera& "o e& /o&=#e &er (,a#e& co%/et$ore& co" to$a& e##a&1 Me"tra& %e5or &ea#e &,& /ro=#e%a& co%/ett'o&K %.& e*to&a& &er." &,& act'$a$e& $e /ro%oc)"1 Ta%=0" e& %/orta"te recor$ar ,e "o &o#o &e co%/te co"tra otra& "&tt,co"e& -"a"cera& ,e /re&ta" #o& %&%o& &er'co&K &"o ta%=0" e" co"tra $e to$o& a,e##o& ,e =,&ca" o=te"er e# $"ero $e# co"&,%$or1 La /,=#c$a$ $e=e co"'e"cer a# co"&,%$or $e #a "ece&$a$ $e# aorro a"te& $e re&o#'er #a c,e&t)" $e & co"'e"e ," cr0$to o "o1 E" certo &e"t$o #a co%/ete"ca $e /re&tac)" $e &er'co& /,e$e &er e" (e"era#K #a& "&tt,co"e& -"a"cera& $e %a+or ta%ao e" ,"a cate(ora $e &er'co& a&("a" c,a"$o %e"o& ,"a /arte $e &, /,=#c$a$ a# a,%e"to $e #a $e%a"$a (e"0rcaK e" ta"to ,e #a& %.& /e,ea& a %e",$o &e te"e" ,e co"ce"trar e" #a /,=#c$a$ $e #o& &er'co& ,e /re&ta /ara co"&er'ar &, /artc/ac)" e" e# %erca$o.

<[email protected] FILOSOF:A ORANIZACIONAL Lo& /r"c/o& cor/orat'o& &o" #o& 'a#ore&K cree"ca& + "or%a& ,e e5erce ,"a "&tt,c)" + re(,#a #a '$a $e #a %&%aK to$a e%/re&a %/#cta o e*/#cta%e"te te"e" ," co"5,"to $e 'a#ore& cor/orat'o& #o& %&%o& ,e &r'e" $e &o/orte /ara #a %&)"K '&)" + o=5et'o& cor/orat'o&1 La "&tt,c)" $e=e te"er 'a#ore& /ara ,e a+,$e" a te"er ,"a %a+or co"-a"Fa /or /arte $e &,& &oca&1

<.@.< LOS VALORES


9o"ra$eF: N,e&tro& acto& &e -,"$a%e"ta" e" #a rectt,$ + #a "te(r$a$1 Re&/eto: Da%o& a ",e&tro& co#a=ora$ore&K c#e"te& + /=#co e" (e"era# ," trato cort0&K .(# + a%a=#e1 Cre$=#$a$: N,e&tra& acco"e& &o" e5ec,ta$a& co" &"cer$a$ $e %a"era ,e (e"era" #a co"-a"Fa $e /ro/o& + e*trao&1 So#$ar$a$: A+,$a%o& a# %e5ora%e"to $e #a ca#$a$ $e '$a $e ",e&tra& &oca& + c#e"te&K =,&ca"$o e# -orta#ec%e"to $e &,& -"a"Fa&1 Se(,r$a$ + &o#'e"ca: So%o& ,"a coo/erat'a ,e (e"era co"-a"FaK e" =a&e a #a &o#$eF %ora# + -"a"cera ,e "o& caracterFa1 Co%/ro%&o: Act,a%o& co"'e"c$o& $e ,e $e=e%o& $ar %.& $e #o e&/era$oK co" ," a#to &e"t$o $e /erte"e"ca a ",e&tra coo/erat'a1 O/t%&%o: Cree%o& ,e e# -,t,ro &er. %e5or ,e e# /a&a$o + ,e /o$ra%o& &er %e5ore& e" #o ,e "o& /ro/o"e%o&1 Ca#$a$ $e &er'co: De&arro##a%o& ",e&tro tra=a5o co" ca#$eF ,%a"a + /ro-e&o"a#%e"te1 La ca#$a$ e" #o& &er'co& te"e ,e co"'ertr&e e" e# o=5et'o /r"c/a#K 'a#or ,e $e=e /#a&%ar e" acco"e& c#ara%e"te /erc=$a& /or #a& &oca&1 Re&/o"&a=#$a$ &oca#: N,e&tro /r"c/a# co%/ro%&o e& co" ",e&tra& &oca&K e# /a& + ",e&tro& $ea#e& /or #o ,e "o& co%/ro%ete%o& a: !

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Me5orar co"t",a%e"te e" to$o& #o& a&/ecto& a$%"&trat'o&1

<.@.> ESTRATEIA DE MAR7ETIN La coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK a# &er ,"a "&tt,c)" $e$ca$a a #a /re&tac)" $e &er'co& -"a"cero& a& co%o ta%=0" ,"a "&tt,c)" /reoc,/a$a /or e# =e"e&tar $e #o& a=ta"te& $e La E&/era"FaK I"t=,c. + &,& a#re$e$ore& o-rece /ro$,cto& -"a"cero& ,e 'a $r($o e&/eca#%e"te a #o& "e(oco& e*&te"te& e" #a co%,"$a$ + &,& a#re$e$ore&K co" #o& $ato& rea#Fa$o& e" e# e&t,$o $e %erca$o #a& /er&o"a& $ara" ,&o $e &,& cr0$to& e" a%/#ar #o& "e(oco& e*&te"te& o e%/re"$er ," "e(oco ",e'o1 E# %erca$o %eta $e #a coo/erat'a &o" #o& "e(oco& e*&te"te& e" #a #oca#$a$ $e=$o ,e #a %a+or /arte $e #o& a=ta"te& $e #a co%,"$a$ te"e" /e,ea& %croe%/re&a& co%o &o" -.=rca& $e =#o,e&K ta##ere& %ec."co&K ta##ere& $e co&t,raK te"$a&K (a="ete& $e =e##eFaK ce"tro& $e co%/,tac)" + /,#/era&1 La %eta ,e act,a#%e"te te"e #a coo/erat'a e& $ar a co"ocer a #a& /er&o"a #o& &er'co& -"a"cero& ,e o-rece #a %&%aK %e$a"te e# $e&arro##o $e ," /#a" $e /ro%oc)" + /,=#c$a$K c,+a -"a#$a$ &er. e# tra"&%tr#o a #a co%,"$a$ /ara ,e /,e$a" acce$er a $co& &er'co&1 A$e%.& &e $e=e ca/tar #a -$e#$a$ $e #a& &oca& ,e #a coo/erat'a act,a#%e"te /o&ee a tra'0& $e #a& e&trate(a& ,e &e 'a a %/#e%e"tar /ara a=&or=er &oca& e" e# %e$o #oca# + #o(rar #a ace/tac)" e" #a c,$a$1 De=$o a #a (ra" co%/ete"ca ,e te"e o+ e" $a e# %erca$o $e coo/erat'a& "o &o#o e" ",e&tro $e/arta%e"to &"o e" e# /a& e" (e"era#K e& "ece&aro ,e /ara /o$er &o=re''r &e e&ta=#eFca" e&trate(a& + correct'o& ,e


#e /er%ta" a #a coo/erat'a %a"te"er&e e" e# %erca$oK a& co%o a,%e"tar &, /artc/ac)" e" e# %&%o %e$a"te #a ca/tac)" $e ",e'a& &oca&1

<.@.? POSICIONAMIENTO La coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK /ara /o&co"ar&e e" #a %e"te $e #a& &oca& a/#ca ,"a e&trate(a $e $-ere"cac)" e" &er'co& + re$,cc)" $e co&to& /or #o& &er'co& ,e #a coo/erat'a o-receK co"ta"$o co" $rect'o& &ero& + ," /er&o"a# a#ta%e"te ca#-ca$o co%/ro%et$o co" #a %&%a =r"$a"$o ," &er'co /er&o"a#Fa$oK &at&-ace"$o #a& "ece&$a$e& $e #a& &oca& $e ,"a %a"era a%a=#e + o/ort,"aK co" &er'co& -"a"cero& ,e &e r." aco/#a"$o a #a& "ece&$a$e& rea#e&K a$e%.& $e #a $-ere"cac)" $e &er'co& a/#care%o& e&trate(a& $e -$e#Fac)" co%o: r-a&K &orteo& + /ro%oco"e& e&/eca#e& /ara to$a& #a& &oca&1

<.@.@ DIFERENCIACIÓN La coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK e&ta=#ecer. ,"a e&trate(a $e $-ere"cac)" %e$a"te ," ",e'o oraro $e &er'co ,e &e ate"$er. #o& -"e& $e &e%a"a& /ara ,e #a& &oca& /,e$a" rea#Far &,& tr.%te& &" ""(" "co"'e"e"teK e&to "o& a+,$ar. a $ar ,"a re&/,e&ta %.& r./$a a #a& "ece&$a$e& -"a"cera& $e #a& &oca& ,e #o &o#cta"1!E&te &er'co te"e /or o=5eto #a ca/tac)" $e #a %a+or ca"t$a$ $e &oca& ,e e" #a c,$a$ e*&te" + #a& /er&o"a& ,e te"e" #a "cat'a $e crear + e%/re"$er ",e'o& "e(oco& e" #a co%,"$a$1 E# ",e'o &er'co ,e o-ertar. #a coo/erat'a &e $ar. a co"ocer a# /=#co a tra'0& $e ,"a /,=#c$a$ a(re&'a +a &ea /or ra$oK te#e'&)" + /re"&aK /ara ,e #a& /er&o"a& "tere&a$a& co"oFca" $e ,e &e trata e&te t/o $e &er'co1 Pre&o"ar a# /o&=#e c#e"te ,e e&te &er'co -"a"cero e& #a %e5or a#ter"at'a /ara -or%ar &, /ro/o "e(oco $e e&ta %a"era &e re-orFar. e# %e"&a5e /,=#ctaro a tra'0& $e #o& &er'co& /re&ta$o& /or #a coo/erat'a1 La /,=#c$a$ ,e &e 'a a ,t#Far /ara $ar a co"ocer e# ",e'o &er'co -"a"cero e& e# &(,e"te:


Rea#Fac)" $e o5a& 'o#a"te& co" #a "-or%ac)" re,er$a /ara ,e #a& &oca& + /=#co e" (e"era# co"oFca" $e #o& ",e'o& &er'co& + oraro& $e ate"c)" ,e te"e #a coo/erat'aK ta%=0" &e /ro%oco"a #a /r)*%a a/ert,ra $e# ",e'o #oca# e" ,"a ",e'a $recc)"K e" #a %&%a /,=#c$a$ &e co#ocaro" "%ero& $e te#0-o"o& $e a(e"te& $e cr0$to& /ara ,e a+a ,"a co%,"cac)" $recta /or /arte $e #a &oca& + /=#co "tere&a$o e" #o& &er'co& ,e /re&ta #a coo/erat'a1

<.@. !NFASIS  FLEXIBILIDAD La coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK &e %a"te"$r. e&ta=#e e" #a ca#$a$ $e #o& &er'co& ,e 'a a o-recer a #a /o=#ac)" $e# $e/arta%e"to $e I"t=,c. + &,& a#re$e$ore& $e=$o a ,e e# /er&o"a# $e #a coo/erat'a $e=e =r"$ar ," =,e" &er'co a #a& &oca& + /er&o"a& ,e re,era" $e "-or%ac)"1 a ,e e# c#e"te e& e# ,e te"e #a #t%a /a#a=raK #o& e%/#ea$o& $e #a coo/erat'a $e=e" $ar "-or%ac)" a #o& c#e"te& /ote"ca#e& co%o a #o& e*&te"te& $e #o& &er'co& ,e o-rece #a %&%aK a -" $e (a"ar&e #a co"-a"Fa + #a -$e#$a$ $e #a& &oca&K =,&ca"$o ,"a /er&o"a#Fac)" $e #o& &er'co&K aca ca$a ,"o $e #o& ,e "te(ra" #a coo/erat'a. E& %/orta"te %e"co"ar ,e e" #a& e%/re&a& $e &er'coK e*&te ,"a "terre#ac)" $recta e"tre e%/re&a + #a /arte %.& %/orta"te e# c#e"teK /or ta"toK e&to &e tra$,ce a ,e #a ca#$a$ e&t. e" #a -or%a co%o &e o-rece e# &er'coK #o ,e $e=e e&tar a car(o $e #a& /er&o"a& ,e &e e"c,e"tra" e" /er%a"e"te co"tacto co" #o& c#e"te& o &ea e# e%/#ea$oK e# (ere"teK e# (,ar$a + to$o& #o& ,e "te(ra" #a coo/erat'a1 U" c#e"te /,e$e %e$r #a ca#$a$ $e# &er'co a# o=&er'ar e# co%/orta%e"to $e# e%/#ea$o a# %o%e"to $e otor(ar e# &er'co &o#cta$oK /ara $ar e&ta "teracc)"K #a actt,$ $e# e%/#ea$o $e=e &er /o&t'aK &er a%a=#e + ate"toK re&/o"$er a to$a& #a& ",et,$e& $e #o& c#e"te& o /o&=#e& c#e"teK /ro+ectar &e(,r$a$K e*/#car $eta##a$a%e"te to$o& #o& =e"e-co& ,e ca$a ,"o


$e #o& &er'co& -"a"cero& o-receK "ce"t'ar a #o& c#e"te& /or %e$o $e #a& /ro%oco"e&K crear ," a%=e"te $e co"-a"Fa + ca/tar ",e'a& &oca&1 Br"$ar ," =,e" &er'co a #a& /er&o"a& ,e /or c,a#,er raF)" te"(a" ,e rea#Far tra"&acco"e& o tr.%te& $e"tro $e #a coo/erat'aK $ar ," &er'co $e /r%era ca#$a$ #o(ra"$o ,e #o& %&%o& &e &e"ta" co%o e" &, ca&a a# &er ate"$$o /or /er&o"a# ca#-ca$o ,e e"te"$a c,a#e& &o" #o& $e&eo& + "ece&$a$e& $e #o& %&%o& /ara $e e&a %a"era /o$er &at&-acer#o& + ore"tar#o& $e #a %e5or %a"era /o&=#e1 Para ,e #o& e%/#ea$o& $e #a coo/erat'a $e" ," =,e" &er'co a #o& c#e"te& &e $e=e %ot'ar a tra'0& $e "ce"t'o& eco")%co&K &,e#$o& e,tat'o& + coere"te& $e ac,er$o a #a& -,"co"e& ,e rea#ce ca$a %e%=ro $e #a "&tt,c)"1 Tra=a5ar co" /er&o"a& a ,e"e& #e& a(ra$e =r"$ar ," &er'coK co" co"&ta"te ca/actac)" co" 0"-a&& e" ,e"e& trata" $recta%e"te co" e# c#e"teK e&ta& /er&o"a& &o" #a& ,e "ece&ta" %a+or ca/actac)"K $e e##o& $e/e"$e ,e e# c#e"te re(re&e o "o1

<.@. PROMOCIÓN Co"&&te e" #a -or%a e" ,e #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK co%,"ca a #o& c#e"te& /ote"ca#e& &, %e"&a5e $e&t"a$o a "-or%ar &o=re #a e*&te"ca $e# &er'co -"a"ceroK + -ac#tar &, ,&o1 Para #o(rar ca/tar #a ace/tac)" $e #a /o=#ac)" + $e e&ta %a"era #o(rar ,e e##a& -or%e" /arte $e #a& %&%a& co%o &oca& o c#e"te& e& /ro%oco"ar a #a "&tt,c)" #a 'are$a$ $e /ro$,cto& $e aorro + cr0$to ,e o-rece1 La act'$a$ /ro%oco"a# ,e #a coo/erat'a 'a a ,t#Far /ara ca/tar c#e"te& /o$e%o& %e"co"ar: /re%o& + re(a#o& r-a&K &orteo1 Pre%o& + re(a#o&: U"a $e #a& -or%a& %.& ,t#Fa$a& + ,e e" #a act,a#$a$ e&t. $a"$o =,e"o& re&,#ta$o& e& #a e"tre(a $e /re%o& + re(a#o& a &,& &oca&K $co& /re%o &e $ar." /or a/ert,ra& $e c,e"ta& o /or c,%/#%e"to $e &a#$o& /ro%e$o1


Ta%=0" &e e"tre(ara" c,/o"e& /ara &orteo& /or rea#Far $e/)&to& $e 'a#ore& ,e &,/ere" certa& ca"t$a$e& + /or traer ",e'a& &oca&K e&to& &orteo& &e rea#Fa" tr%e&tra# + ," (ra" &orteo a -" $e ao co" e#ectro$o%0&tco&1 E&to& /re%o& + re(a#o& &o" e"tre(a$o& co%o "ce"t'o a ,e &(a" rea#Fa"$o &,& tra"&acco"e& co%erca#e& co" $ca "&tt,c)"1

<.@. PUBLICIDAD So=re e# t0r%"o /,=#c$a$K &e /,e$e $ecr ,e e& c,a#,er -or%a /a(a$a $e co%,"cac)" "o /er&o"a# /ara #a /ro%oc)" $e $ea&K =e"e& o &er'co& rea#Fa$a /or ," a","ca"te o /atroc"a$or $e"t-ca$o1 A,",e certa /,=#c$a$ co%o e# correo $recto&e $r(e aca "$'$,o& e&/ec-co&K #a %a+or /arte $e #o& %e"&a5e& $e /,=#c$a$ &e a5,&ta" $e ," (r,/o + a# ,&o $e #o& %e$o& $e co%,"cac)" %a&'o& co%o #a ra$oK #a te#e'&)"K #o& /er)$co&K #a& re'&ta& + #a /,=#c$a$ a# are #=re /,=#c$a$ e*teror[1 E& ," /roce&oK ," /ro(ra%a o ,"a &ere $e act'$a$e& "ece&ara& /ara /re/arar e# %e"&a5e + ##e'ar#o a# %erca$o %eta /or ," /atroc"a$or $e"t-ca$o + ,e /a(a #o& %e$o& ,e #o tra&%te"[1

A.CUALIDADES DE LA PUBLICIDAD La& c,a#$a$e& $e #a /,=#c$a$ &o" #a& &(,e"te&: a Pre&e"tac)" /=#ca: %,ca& /er&o"a& rec=e" e# %&%o %e"&a5eK #a& &oca& &a=e" #o& %ot'o& /or #o& ,e &e a" a-#a$o a #a coo/erat'a1 = Per&,a&'$a$: e& ," %e$o /er&,a&'o ,e /er%te a# 'e"$e$or re/etr %,ca& 'ece& e# %e"&a5e + rec=r #o& $e #a co%/ete"ca1 E& ," 'e"$e$or e" (ra" e&ca#a + /o/,#ar1 c E*/re&'$a$ a%/#-ca$a: /ro/orco"a o/ort,"$a$ /ara $ra%atFar a #a e%/re&a o "&tt,c)" + a #o& /ro$,cto& o &er'co& ,e o-rece &e ,t#Fa e# co#or + e# &o"$o1 e I%/er&o"a#$a$: #a a,$e"ca "o &e &e"te o=#(a$a a /o"er ate"c)" + re&/o"$er1 La /,=#c$a$ /,e$e ##e'ar a ," %o")#o(oK "o ," $.#o(o co" #a a,$e"ca1

B.CLASIFICACIÓN DE LA PUBLICIDAD


La /,=#c$a$ /,e$e c#a&-car&e e": "&tt,co"a# o $e /ro$,cto /ara #a $e%a"$a /r%ara + &e#ect'a /,=#c$a$ coo/erat'a1 La /,=#c$a$ $e /ro$,ctoK #o& a","ca"te& $a" a co"ocer a# %erca$o &,& /ro$,cto& o &er'co& + &e $'$e" e": a Acc)" $recta: co%,"ca a #o& c#e"te& ,e e# /ro$,cto e*&te + &r'e /ara &ea#ar &,& 'e"ta5a&1 La /,=#c$a$ "&tt,co"a# te"e /or o=5et'o crear ,"a actt,$ -a'ora=#e aca e# 'e"$e$orK %.& ,e 'e"$er ," /ro$,cto o &er'co1 = A -a'or $e# /atroc"a$orK /re&e"ta #a "-or%ac)" &o=re #a "&tt,c)"1 c Re#aco"e& /=#ca&: /rete"$e $ar #a %a(e" -a'ora=#e /ara #a "&tt,c)"1 La /,=#c$a$ coo/erat'a co"5,"taK &e $'$e e": a P,=#c$a$ coo/erat'a 'ertca#: e& ,"a &oce$a$ e"tre #o& $-ere"te& "'e#e& $e $&tr=,c)" /ara co%/artr #o& (a&to& $e /,=#c$a$K "c#,+e ," $e&c,e"to /,=#ctaro $e"o%"a$o $e&c,e"to /ro%oco"a# + co"&&te e" ," $e&c,e"to ,e ace" #o& -a=rca"te& a #o& $eta##&ta& /ara ,e /ro%,e'a" #o& /ro$,cto&1 = P,=#c$a$ coo/erat'a orFo"ta#: I"c#,+e ," (r,/o $e# %&%o "'e# $e $&tr=,c)"1

C.OBJETIVOS DE LA PUBLICIDAD La /,=#c$a$ /er&(,e 'aro& o=5et'o&K e"tre e##o& e&t.": ! !

Creac)" $e co"ce"ca /ara #a& &oca&1 Creac)" $e e"te"$%e"toK & #o& &er'co& ,e &e o-rece" e"cerra" ",e'a& caracter&tca&K #a /,=#c$a$ /,e$e a&,%r co" e-ce"ca /arte $e

! ! !

#a #a=or $e e*/#car e&a& caracter&tca&1 Recor$atoro e-ce"teK #a& o5a& 'o#a"te& &o" #o& recor$atoro&1 Ge"erac)" $e ",e'a "-or%ac)" $e /arte $e #a coo/erat'a Le(&#ac)"K 5,&t-ca" #a ca#$a$ $e#o& &er'co&1

D.TIPOS DE PUBLICIDAD E"tre #o& t/o& $e /,=#c$a$ /o$e%o& %e"co"ar: !

P,=#c$a$ /ara #a& &oca&


!

P,=#c$a$ "aco"a#: e# /ro/)&to e& acer#e &a=er a #a& &oca& e# "o%=re

!

$e #o& =e"e& + &er'co&K &,& ,&o&K =e"e-co& + 'e"ta5a&1 P,=#c$a$ $eta##&ta #oca# "o &o#o "te"ta o-recer #o& &er'co& + =e"e-co& &"o ,e a$e%.& a"%a a #a& &oca& a a$,rr#o& e" #a

!

coo/erat'a1 P,=#c$a$ $e# /ro$,cto -"a#: e&t. e"car(a$a $e a#e"tar #a $e%a"$a $e#o&

!

&er'co& ,e &e e&t." /ro%oco"a"$o1 P,=#c$a$ $e re&/,e&ta $recta: #a co"'e"e"ca e& #a /r"c/a# 'e"ta5a $e 0&taK co"&&te e" o-recer #o& &er'co& + =e"e-co& ,e o-rece #a coo/erat'a a to$a& #a& &oca&1

E. PUBLICIDAD PARA LA COMIXMUL La ca%/aa /,=#ctara ,e $e&arro##ar. #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK e&tar. $r($a a /er&o"a& %a+ore& $e $ecoco ao& ,e &e e"c,e"tra" e" ca/ac$a$ $e ,t#Far #o& $-ere"te& &er'co& -"a"cero& ,e #a "&tt,c)" o-rece1 E"tre #a& /r"c/a#e& act'$a$e& /,=#ctara& ,e #a coo/erat'a 'a a ,t#Far /o$e%o& %e"co"ar:

! ! !

Partc/ac)" e" -era& + e*/o&co"e&1 Patroc"o e" act'$a$e& $e/ort'a& V&ta& a e&ta=#ec%e"to& e$,cat'o& co"-ere"ca&

!

Maret"( $e /,erta a /,erta e"tre(a $e o5a& 'o#a"te&

!

+ otro& ,e e&t0" a# a#ca"ce $e #a "&tt,c)"1

Partc/ac)" e" -era& + e*/o&co"e&: La coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK /artc/ar. e" #a& -era& + e*/o&co"e& ,e &e rea#ce" $e"tro $e #a c,$a$ $e La E&/era"Fa /ara e&tar e" co"tacto $recto co" e# /=#co a&&te"te + $ar#e& a co"ocer $e #o&


$-ere"te& &er'co& -"a"cero& a #o& ,e /,$era" acce$er a# co"'ertr&e e" &oca& $e #a coo/erat'a1 Patroc"o e" act'$a$e& $e/ort'a&: La coo/erat'a a/o+ar. a #a 5,'e"t,$ e" #a& $-ere"te& act'$a$e& $e/ort'a& ,e &e $e&arro##e" a# rea#Far a,&/co& co" ,"-or%e& a c#,=e& ,e &e e"c,e"tre" /artc/a"$o e" #o& $-ere"te& ca%/eo"ato& ,e or(a"Fa #a #(a $e/ort'aK e" e&to& ,"-or%e& e&tar. e&ta%/a$a #a /,=#c$a$ $e #a "&tt,c)"K #o(ra"$o $e e&ta %a"era /o&co"ar"o& e" #a co#ect'$a$ co%o ,"a "&tt,c)" ,e a/o+a a# $e/orte1 V&ta a e&ta=#ec%e"to& e$,cat'o& co"-ere"ca&: E# /er&o"a# $e #a coo/erat'a '&tar. a #a& $-ere"te& "&tt,co"e& e$,cat'a& $e #a #oca#$a$ co" ," $eta##e /ara e# /er&o"a# ,e a #a=ora c,a"$o &ea" -e&ta& $e# %ae&tro + co" ,"a -#or a# ce#e=rar&e e# $a $e #a& %a$re&K co%o %,e&tra ,e #a "&tt,c)" &e /reoc,/a /or &,& a&oca$a&1 Otra act'$a$ ,e &e $e&arro##ar.1 La coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK rea#Far. co"-ere"ca& /ara $e e&ta %a"era $ar a co"ocer a #a "&tt,c)" + #o& $-ere"te& &er'co& ,e #a %&%a o-receK #a e*/o&c)" $e #o& /ro$,cto& -"a"cero& ,e o-rece #a coo/erat'a &e rea#Far. e" #o /o&=#e a"te to$o e# /er&o"a# ,e a #a=ora o & "o &e #o rea#Far. a #o& $rect'o& $e #a& "&tt,co"e& /ara ,e e##o& &e e"car(,e" $e tra"&%tr e# %e"&a5e a to$o& &,& co#a=ora$ore&K e" e# ca&o $e #a& "&tt,co"e& $e "'e# &,/eror &e rea#Fara #a& co"-ere"ca& a #o& 5)'e"e& ,e &e e"c,e"tra" e" e# #t%o "'e# $e e$,cac)"1 E" #a& '&ta& a$e%.& $e $ar a co"ocer a #a coo/erat'a &e e"tre(ar. #o& %atera#e& /,=#ctaro& co%o &o" o5a& 'o#a"te&K a-ce&K $/tco& + re,&to& /ara a/ert,ra $e c,e"ta& + cr0$to&1 Ve"ta /er&o"a#: La $ea e& '&tar /er&o"a#%e"te #a& ''e"$a& $e &,& c#e"te& /ote"ca#e& e"tre(."$o#e& o5a& 'o#a"te& + a=#."$o#e& $e #o& &er'co& ,e #e& o-rece #a coo/erat'a1 Te&t%o"o&:


Me$a"te #o& te&t%o"o& $e /er&o"a& ,e -,ero" =e"e-ca$a& /or #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MUL1K &e crear. ,"a ca%/aa /,=#ctara e" #a ra$oK te#e'&)" + /re"&a a$e%.&K &e e"tre(ara o5a& 'o#a"te&K a-ce&K a$e&'o&K $/tco e" #o& c,a#e& &e re&a#tar. #o& $-ere"te& &er'co& -"a"cero& ,e #a "&tt,c)" o-rece1

<[email protected] MATERIALES PUBLICITARIOS Lo& %o$e#o& $e #o& $-ere"te& %atera#e& /,=#ctaro& ,e &e ,t#Fara" e" e# /re&e"te /#a" $e %aret"( a" &$o e#a=ora$o& $e ta# %a"era ,e #o(re" ##e'ar ," %e"&a5e c#aro + /rec&o a #a /o=#ac)"K e" e# %&%o &e $eta##a c#ara%e"te to$o& #o& &er'co& -"a"cero& ,e o-rece #a "&tt,c)" /ara ,e $e e&ta %a"era &ea" co"oc$o& /or to$a& #a& /er&o"a& &ea" &oco& o "o1

A. HOJAS VOLANTES La& %&%a& ,e &er." %/re&a& e" #o& $o& #a$o& /ara ,e $e e&ta %a"era #a "-or%ac)" /,e$a &er $eta##a$a c#ara%e"te + #a& /er&o"a& "o te"(a" ,e ##e'ar $e%a&a$a& o5a& e" &, /o$er /ara co"ocer to$o& #o& /ro$,cto& ,e #a coo/erat'a o-rece1

B. CANAL DE DISTRIBUCIÓN La e&trate(a ,e ,t#ce e& #a co#ocac)" $e #a& o5a& 'o#a"te& e" #o& /er)$co&K $o"$e a tra'0& $e #a coo/erat'a &e &o#ct) e# /er%&o re&/ect'o a #o& 'e"$e$ore& $e /er)$co& /ara #a co#ocac)" $e #a& o5a& 'o#a"te&K ta%=0" &e rea#F) #a e"tre(a $e /,erta e" /,erta aco%/aa$o $e ," e%/#ea$o $e #a coo/erat'a1 Se rea#F) #a e"tre(a $e o5a& 'o#a"te& e" #o& $-ere"te& &er'co& -"a"cero& + =e"e-co& ,e o-rece #a "&tt,c)" a &,& &oca&1 De e&ta %a"era &e $e%o&trar. ,e #a "&tt,c)" e&t. /reoc,/a$a /or $ar a co"ocer a &,& &oca& $e to$o& #o& =e"e-co& + &er'co& ,e /re&ta #a coo/erat'a + ,e &e"ta" ,e e##a& &o" #a& %.& %/orta"te& $e"tro $e #a "&tt,c)"1

<[email protected] TIPOS DE SOCIASCLIENTES E# /er&o"a# $e #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK $e=er. te"er c#aro ,e e" e# /roce&o $e acerca%e"to 'a a


e"co"trar&e co" $&t"ta& /er&o"a#$a$e& %&%a& ,e $e=er." %a"e5ar a$ec,a$a%e"te co"&$era"$o #a& &(,e"te& reco%e"$aco"e&: 21 La c#e"teJ&oca %o#e&ta: Para (a"ar&e #a e%/ata $e #a& &oca&K e# /er&o"a# $e #a coo/erat'a $e=e e'tar ,"a actt,$ $e-e"&'aK 'er %.& a##. $e# e"o5oK a$e#a"tar&e a &t,aco"e& ,e /,e$a" &er rrta=#e&K /o"er e&/eca# ate"c)" e" #o ,e 'a a $ecrK /ero &o=re to$oK "e(ocar ,"a &o#,c)" + $ar#e &e(,%e"to1 31 La c#e"teJ&oco /oco a%(a=#e: Hre"te e&te t/o $e te%/era%e"toK e# /er&o"a# $e #a coo/erat'a $e=er. e*(r&e a & %&%o ," co"oc%e"to a #a /er-ecc)" $e# &er'coK $e&arro##ar a=#$a$e& /ara &o#,co"ar /ro=#e%a& a tra'0& $e #a retroa#%e"tac)" $ara =r"$a$a e" #a ca/actac)" + ,t#Far &, /o$er $e acc)" /ara re&o#'er $co& /ro=#e%a&1 41 La c#e"teJ&oca $&c,t$ora: De /re&e"tar&e e&te t/o $e /er&o"a#$a$ e" ," c#e"teK $e=er. /roce$er&e a e#a=orar ," co"trato e" e# ,e &e e&/ec-,e co" c#ar$a$ #a& -eca& + -or%a& $e /a(oK co"$co"e& e" e# ,e &era e"tre(a$o e# &er'co o /ro$,cto& + to$o& #o& $eta##e& ,e co"&$ere &o" %/orta"te& a"te& $e ,e 'e"(a #a& ,e5a&1 61 La c#e"teJ&oca co"&er'a$ora: Para e&te t/o $e co%/orta%e"to $e=er. rec,rrr&e a# to,e ,%a"oK a(re(a"$o ," /oco $e e%/ataK $e e&ta -or%a #a c#e"teJ&oca &e"tr. ,e &e #e e&t. $a"$o ," =,e" &er'coK /ara e##o e# e5ec,t'o ,e e&t. e"car(a$o $e# ca&o $e=er. /re(,"tar co"&ta"te%e"te & to$o e&t. e" c#aro1 Ca$a c#e"te e& $&t"to + &e%/re e*&tr. ," "co"-or%eK e# co"-#ct'oK e# ,e "o e&c,caK e# $e&co"-a$o + e# "-e#1 A ra$ca #a $-ere"ca e" #a =,e"a ate"c)" $e #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MUL e"tre(,0 a# c#e"teJ&oca c,a"$o /,e$a $e"t-car#a& + tratar#a& $e #a %a"era ,e e##a& =,&ca" ,e #a& trate"1 Se $e=e recor$ar ,e "o to$o& &o%o& (,a#e& a& ,e a=r. ,e a/#car "(e"oK creat'$a$ + acer $e# #,(ar $e tra=a5o ,"a act'$a$


$e &er'coK $o"$e &e e"c,e"tre" &ere& ,%a"o& ,e &e/a" e&c,carK ate"$er + &o=re to$o $ar &o#,co"e&1

<[email protected] INVESTIACION EXPLORATORIA Parte $e #a a-r%ac)" $e car.cter (e"era# /ara ##e(ar a co"c#,&o"e& o co"oc%e"to& $e car.cter /artc,#ar1! Se to%a co%o /,"to $e /art$a #a $&%",c)" $e o/eraco"e& e" e# .rea $e cr0$to& + ",e'o& &oco& $o"$e 'er-,0 e# #e"to crec%e"to $e #a& &oca&1 Para /#a"tear #a& ca,&a& ,e e&t." oca&o"a"$o $co /ro=#e%aK /ara e##o /#a"tee ,"a -or%a $e ##e'ar a a$e#a"te #a "'e&t(ac)"K "c0 $e ,"a re'&)" $e $oc,%e"to& $e #a &ecc)" $e cr0$to&1 Se to%aro" e" c,e"ta to$o& #o& -actore& "ter"o& + e*ter"o& ,e /,e$a" "-#,r /ara ,e #a coo/erat'a "o creFca e" ," rt%o a$ec,a$oK /ara /#a"tear #a /ro/,e&ta ,e a+,$e a "cre%e"tar #a& o/eraco"e& + e#e'e e# "%ero $e &oca& act'a&1 Se rea#F) e# e&t,$o &&te%.tco $e #o& eco& e" e# #,(ar e" ,e &e /ro$,ce" #o& aco"tec%e"to&K e" e&ta %o$a#$a$ to%0 co"tacto $recto co" #a rea#$a$K /ara o=te"er "-or%ac)" $e ac,er$o co" #o& o=5et'o& $e# /ro+ectoK to%0 $ato& e" c,a"to a #a a/#cac)" $e ,"a e"c,e&ta a #o& &oca& $e #a coo/erat'a1

<[email protected]

<[email protected]> DESCRIPCION DE VARIABLE E# /ro+ecto &e $eter%"a co%o ,"a 'ara=#e c,a"ttat'a +a ,e &e ar. #a %e$c)" a tra'0& $e ,"a e"c,e&ta a #a& &oca& ,e '&te" #a coo/erat'aK /ara /o$er &a=er ,0 ca"t$a$ $e e##a& co"oce" $e #o& &er'co&K ",e'o& oraro& $e ate"c)" a# /=#co %/#e%e"ta$o& + e# tra&#a$o a# ",e'o #oca#

<[email protected]? VARIABLE INDEPENDIENTE Para rea#Far e# a".#&& $e #a coo/erat'a e" c,a"to a# crec%e"to &e $e=e rea#Far ,"a e"c,e&ta a/#ca$a a #a& &oca& ,e &e /re&e"tara" a #a &ecc)" $e cr0$toK /ara &a=er & e##a& te"e" co"oc%e"to $e to$o& #o& &er'co& ,e /re&ta #a coo/erat'aK &o=re #o& ",e'o& oraro& $e ate"c)" a# /=#co + tra&#a$o a &, ",e'o #oca#1

<.CONCLUSIONES 21 Co"&,#ta$a& #a& &oca& $e #a coo/erat'a %*ta %,5ere& ,"$a& #%ta$a COMI?MULK a#(,"a& $e&co"oce" $e #o& &er'co& ,e =r"$a #a coo/erat'a + "o &a=e" ,e &e %/#e%e"t) ," ",e'o oraro $e ate"c)" #o& -"e& $e &e%a"a1 31 E" e# &ector #a& act'$a$e& /ro$,ct'a& &o" e# co%erco + act'$a$e& a(rco#a& #a& c,a#e& &o" #a& $e

%a+or re"$%e"to eco")%co "ece&ta"$o

cr0$to& /ara #a /ro$,cc)" ,e c,=ra e# ca/ta# $e tra=a5o + co" ," /#aFo a$ec,a$o 41 E" #a act,a#$a$ #a coo/erat'a "o c,e"ta co" ," $e/arta%e"to e&tr,ct,ra$o $e %aret"( ,e $e&e%/ee act'$a$e& ,e %e5ore" &, "'e# $e /o&co"a%e"to e" e# %erca$o1 61 La& "&ta#aco"e& + $&tr=,c)" $e e&/aco& e& /oco a$ec,a$a + "ece&ta ,r(e"te& ca%=o& ,e #e a+,$e" a %e5orar #a %a(e" + a/recac)" $e #a coo/erat'a e"tre #o& a=ta"te& $e #a Fo"a1


71 Se a co"c#,$o ,e #a e%/re&a "o $&/o"e $e ," /#a" co"t",o $e ca/actac)" /ara e# /er&o"a# ,e #a=ora e" e&ta "&tt,c)"K #o ,e ace ,e e*&ta" -a#e"ca& a# %o%e"to $e $e&arro##ar a$ec,a$a%e"te &,& act'$a$e&1 81 E# "%ero $e c#e"te& + &o#ct,$ $e cr0$to& e&t. $recta%e"te re#aco"a$a co" #a ca#$a$ $e &er'co ,e &e o-rece a# /=#co + #a "&tt,c)" "o c,e"ta co" ," e&/aco -&co a$ec,a$o /ara #a co%o$$a$ $e #a& &oca& e" e# te%/o $e e&/era1 1 E# /=#co $e%a"$a %a+or "%ero $e cr0$to& + ,"a ate"c)" a$ec,a$a e" #o& tr.%te&1 <1 Se co%/ara a #a coo/erat'a co" "&tt,co"e& $e# &ector + /$e" ,e &e rea#ce" "ce"t'o& co" r-a& + /re%o& a #a /,"t,a#$a$ e "'er&)"1 >1 Co"&,#ta%o& & e&t." &at&-eca& co" #o& &er'co& ,e /re&ta #a coo/erat'a + co"te&ta" /o&t'a%e"te #o ,e $e%,e&tra ,e $e/e"$e $e #a& e&trate(a& /ara ca/tar &oco& o #o(rar ,e &ea" act'o& e" &,& o/eraco"e&1

<. RECOMENDACIONES 21 Para #o(rar "cre%e"tar e# "%ero $e a-#a$o& e& %/orta"te %/,#&ar #a& /ro/,e&ta& e%/eFa"$o /or #a /,=#c$a$ + co%,"cac)"1 31 La ca/actac)" a #a& &oca& e& %/orta"te /ara ,e %a"e5e" ",e'a& t0c"ca& ,e #e& /er%ta o=te"er %e5ore& (a"a"ca&K a$e%.& ore"tar#e& e" e# %a"e5o $e cr0$to& ,e re&/a#$e" to$o e# /roce&o1 41 La $'er&-cac)" e" cr0$to& /ro$,cto& + o-erta& /er%te" ca/tar #a ate"c)" + atraer a ",e'a& &oca&K /ara %a"te"er a #o& c#e"te& a"terore&K /,$e"$o co%/etr a$ec,a$a%e"te co" #a "&tt,co"e& -"a"cera& ,e o/era" e" #a Fo"a1 61 La "&tt,c)" "ece&ta ca/actar /er)$ca%e"te a &, /er&o"a# e" te%a& co%o: ate"c)" a# c#e"teK &er'co /o&t'e"ta + re#aco"e& ,%a"a& co" e# -" $e /er-ecco"ar &, .%=to #a=ora# + #a& co%,"caco"e& co" e# c#e"te1


81 Se "ece&ta ,e e# e&/aco -&co ,e $&/o"e &e a$ec,eK e" #a ,e e%/#ea$o& + tra=a5a$ore& $e&arro##e" &, act'$a$ $e #a %e5or %a"era + #o& c#e"te& $&-r,te" $e #a co%o$$a$ $e #a& "&ta#aco"e&1

<.RESUMEN La /re&e"te te&& e& ," /#a" $e /ro%oc)" + /,=#c$a$ ,e "ace co%o re&/,e&ta a #a& "ece&$a$e& $e# %erca$o /ara #o& /ro$,cto& cre$tco& ,e e"tre(a #a coo/erat'a a #a& &oca& + /=#co $e# &ector1 La /ro/,e&ta $e /ro%oc)" + /,=#c$a$

&e =a&a e" e&trate(a&

t0c"ca%e"te /#a"tea$a&K co%o e& #a $&tr=,c)" /er%a"e"te $e o5a& 'o#a"te& + to$o %atera# /,=#ctaro ,e &e /o&co"ar. e" #a %e"te $e #a& &oca& + /=#co co"&,%$orK a-ce& /,=#ctaro& ,e &er'r." co%o (,a /ara &a=er ,0 e& #o o-rece #a coo/erat'aK &e%"aro&K co"-ere"ca&K -oro& /ara #o& &ectore& $e #a /ro$,cc)"K co%erca#Fac)"1 Ta%=0" &e cre) ," "ce"t'o a# aorro co" $-ere"te& r-a& atra+e"te& + /or #t%o ,"a &ere $e ca%/aa /,=#ctara co%o e&-ero&K ca%&eta& + ,"a $-,&)" ra$a# e" #a ,e &e $a a co"ocer to$o& #o& =e"e-co& ,e te"e &er &oco $e #a "&tt,c)"1 La& acco"e& o %e5ora& a"te& %e"co"a$a& /,e$e" &er a/#ca$a& e" #o& $-ere"te& %e&e& $e# ao /ara #a ca/tac)" + %a"te"%e"to $e #a& &oca&1 Sea rea#Fa$o ,"a &ere $e a#ter"at'a& ,e /er%tr. a #a coo/erat'a a-ro"tar #o& ",e'o& $e&a-o& %/,e&to& /or e# %erca$o a#ta%e"te co%/ett'o1 Se reco%e"$a &e(,r to$o& #o& /a&o& e#a=ora$o& e" ca$a e&trate(a /ara #o(rar "cre%e"tar e# "%ero $e &oca& +a ,e e& %/orta"te %/,#&ar #a& /ro/,e&ta& e%/eFa"$o /or #a /,=#c$a$ + co%,"cac)"1


ANEXOS DOCUMENTOS A LLENAR PARA SOLICITUDES DE CREDITOS


21 COOPERATIVA MI?TA MUERES UNIDAS LIMITADA COMI?MUL AUTORIZACION DE ENTREGA DE CREDITO

\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ MONTO DEL CREDITO:\\\\\\\\\\\\\\\\ 21 31

HOTO DE LA SOCIA  PROPIEDAD A 9IPOTECAR CUANDO SEA 9IPOTECARIO SOLICITUD DE CREDITO DE LA SOCIA I"-or%ac)" (e"era# $e #a &oca E&ta$o& -"a"cero& $e #a& &oca& I"-or%ac)" (e"era# $e #o& a'a#e& E&ta$o& -"a"cero& $e #o& a'a#e& Dcta%e" $e# o-ca# $e cr0$to Re&o#,c)" $e# co%t0 $e cr0$to&

41

PLAN DE INVERSION

61 CONSTANCIAS ACTUALIZADAS DE LOS

71

AVALES IDENTIDAD DE LA SOCIA

81 IDENTIDAD DE LOS AVALES

1

AUTORIZACION OHICIAL

<1 AUTORIZACION DE LA APLICACIÓN DE

APORTACIONES >1 CIRCILAR DE NO ENTREGAR DINERO 2@1 CRO;UIS DE NEGOCIO  CASA 221 PARA 9IPOTECARIOS 221a Cro,& $e #a /ro/e$a$ 22=1 P#a"o& $e #a co"&tr,cc)" & e*&te 231 TRASPASO DE MENAE CON HACTURAS ORIGINALES 241 CONSTANCIA LIBRE DE GRAVAMEN 261 PAGARE  CONTRATO 26a1 No%=re $e #a &oca 26=1 Ce$,#a $e #a &oca 26c1 Mo"to e" "%ero + #etra& 26$1 Ta&a $e "ter0& e" "%ero + #etra& 26e1 Heca $e 'e"c%e"to 26-1 Heca $e $e&e%=o#&o 26(1 "o%=re $e #o& a'a#e& 261 Ce$,#a $e #o& a'a#e&

Por %e$o $e #a /re&e"te cert-co ,e to$a #a $oc,%e"tac)" $e# e*/e$e"te e&t. correctaK /or #o ta"to a,torFo a# $e/arta%e"to $e co"ta=#$a$ e# $e&e%=o#&o $e cr0$to

\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\


GERENTE DE OHICINA

2. COOPERATIVA MIXTA MUJERES UNIDAS LIMITADA COMIXMUL

ESTADO DE LA SOLICITUD DE CRÉDITO

NOMBRE DE LA SOCIA\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ NOMBRE DEL OHICIAL DE CRÉDITO\\\\\\\\\\\\\\\\\\\\\\\\\\ MONTO SOLICITADO\\\\\\\\\\\\\\\\\\\\\\\\ANALISTA\\\\\\\\\\\ HEC9A DE PRESENTACION\\\\\\\\\\\\\\\\\\\\\\\\\9ORA\\\\\\\\

PROCESO EN ;UE SE ENCUENTRA LA SOLICITUD

VERIHICACION DE INHORMACION

HEC9AJ9ORA\\\\\\\\\\

SOLICITANDO INHORMACION ADICIONAL PRESENTADA AL COMITÉ DE CRÉDITO

HEC9AJ9ORA\\\\\\\\ HEC9AJ9ORA\\\\\\\\\

COMITÉ DE CRÉDITO

APROBADA

DENEGADA

HEC9A CUANDO HUE DESEMBOLSADO EL CRÉDITO\\\\\\\\\\ MONTO DESEMBOLSADO \\\\\\\\\\\\\\\\\\\\\\\\\\\


ESCORIN

41 COOPERATIVA MI?TA MUERES UNIDAS LIMITADA COMI?MUL[

No%=re $e #a &oca: \\\\\\\\\\\\\\\\\\\\\\\\\\\\ Heca:\\\\\\\\\\\\\\\\\\ Per-# &oca# Vara=#e

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Co"te&ta Me"o& $e 3@ E"tre 32 + 4@ E"tre 42 + 6@ E"tre 62 + 7@ E"tre 72 + 8@ M.& $e 8@ @ De 2 a 3 De 4 a 6 De 7 a 8 De  a < De > a 2@ M.& $e 2@ Pro/a Ha%#ar A#,#a$a 2 ao De 3 a 4 ao& M.& $e 4 ao& M,+ re&(o&o Poco re&(o&a N"(" re&(o 2 ao o %e"o& De 2 a3 ao& De 3 a 4 ao& M.& $e 4 ao&

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________________________________

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>. SOLICITUD DE CR!DITO



?. ESTADO FINANCIERO COOPERATIVA MIXTA MUJERES UNIDAS IMITADA !COMIXMU" NOMBRE DE LA AHILIADA: \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ OHICINA: \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ ACTIVIDAD DETALLADA: \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ SOCIA TIPO   TIPO DE CREDITO: NUEVO   SUB SIGUIENTE   REHINANCIAMIENTO   ESTADOS HINANCIEROS ACTIVOS EHECTIVO BANCO O INST1 HINANC1 CUENTAS POR COBRAR INV1 ART1 DEL 9OGAR INV1 ART1 DEL NEGOCIO INV1 DE MERCADERIA PROPIEDADES VE9ICULOS OTROS TOTAL ACTIVO

INGRESOS SUELDOS NEGOCIOS OTROS INGRESOS TOTAL

PASIVO CTAS POR PAGAR PREST1 POR PAGAR OTROS TOTAL PASIVO CAPITAL LI;UIDO

EGRESOS PRESTAMOS GAST1 DEL NEGOCIO GAST1 HAMILIARES AL;UILERES OTROS TOTAL E?CEDENTES

@. PLAN DE INVERSION

PLAN DE INVERSION

Informe de Practica Profesional CANTIDAD

DETALLE DE

UNIDAD DE

PRECIO

PRECIO

TOTAL

TOTAL

GANANCI

PRODUCTO A

MEDIDA

UNITJCO

UNITJVENT1

COMPR

VENTA

A

COMPRAR

MP1

A

TOTAL

RESUMEN COMPRA TOTAL

MONTO SOLICITADO

VENTA TOTAL

INVERSION A REALIZAR

UTI1 DE LA INVERSION

GASTOS DE CIERRE

UTI1

DEL

ESTADO

DE

APORTACION

RESULTADO UTILIDAD TOTAL

SALDO ANTERIORJPREST1

6@ UTILIDAD

TOTAL DEL CREDITO

GASTOS

INT1 CORRIENTE

HINANCIEROS

PRINCIPAL TOTAL A PAGAR MES

A9ORRO PLAZO

SI 6@ UTI]TOTAL A PAGAR

\\\\\\\\\\\\\\\\\\\\\\\ HIRMA DEL OHICIAL

\\\\\\\\\\\\\\\\\\\\\\\\\\\\ HIRMA DE LA SOCIA

. CONSTANCIA DEL ANALISTA DE CREDITO oK \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ %a+or $e e$a$K co" tar5eta $e $e"t$a$ No1 \\\\\\\\\\\\\\\\\\\\\\\\ co%o oficial de Promoci#n $ Cr%dito $e #a Coo/erat'a M*ta M,5ere&

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HIRMA DE LA SOCIA

\\\\\\\\\\\\\\\\\\\\\\\\\\\ NOMBRE DEL OHICIAL

\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ NOMBRE DEL GERENTE

. A U T O R I Z A C I O N

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Ma+or $e e$a$K co" tar5eta $e $e"t$a$ Nº\\\\\\\\\\\\\\\\\1 Por %e$ %e$oo $e #a /re& /re&e" e"te te a, a,to tor rFo Fo a #a COOP COOPER ERA ATIVA IVA MI?T MI?TA A MUERES UNIDAS LIMITADA ^COMI?MUL^K /ara ,e a(a #a re&/ec re&/ect' t'aa a/#ca a/#cac) c)"" $e %& a/o a/orta rtaco co"e& "e& a % /r0&ta /r0&ta%o %o c,a"$o c,a"$o "c,rra e" %ora o te"(a &a#$o& /e"$e"te& $e % /r0&ta%o1  /ara #o& -"e& -r%o #a /re&e"te e" #a C,$a$ $e \\\\\\\\\\\\\K De/arta%e"to $e \\\\\\\\\\\\\\\\ a #o& \\\\ $a& $e# %e& $e \\\\\\\\\\\\\\\\\ \\\\\\\\\\\\\\\\\ $e# ao 3@\\\1

\\\\\\\\\\\\\\\\\\\\\\\ \\\\\\\\\\\\\\\\\\\\\\\ HIRMA DE LA SOCIA

. C O N S T A N C I A E&t%a E&t%a$a& $a& &oca& &oca& /or %e$o %e$o $e #a /re&e" /re&e"teK teK #a COOPER COOPERA ATIVA IVA MI?TA MUERES UNIDAS LIMITADAK ^COMI?MUL^ O-c"a \\\\\\\\\\\\\\\\\\\\K \\\\\\\\\\\\\\\\\\\\K #e ace &a=er ,e ,e$a ter%"a"te%e"te /ro=$o #a e"tre(a $e $"ero e" e-ect'o a ",e&tro& e%/#ea$o&K /ara &e(,r$a$ $e &, cr0$to + $e e##o& %&%o&1


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HIRMA DE LA SOCIA

10. CONSTANCIA SOBRE LA CHARLA DEL USO  MANEJO DEL PRESTAMO OKK \\\\\ O \\\\\\\\ \\\\\ \\\\\ \\\\\ \\\\\ \\\\\ \\\\\ \\\\\ \\\\\ \\\\\\ \\\\\ \\\\\ \\\\\ \\\\\ \\\\\ %a+o %a+orr $e e$a$K e$a$K 9o"$,rea 9o"$,rea co" I$e"t$a$ I$e"t$a$ No1\\\\\\\\\\\\ No1\\\\\\\\\\\\\\\\\\\ \\\\\\\\\\\\\\\ \\\\\\\\\\\\\\ \\\\\\ + co" $o% $o%c c#o #o

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11. PRIMER RE;UERIMIENTO DE PAO COOPERATIVA MIXTA MUJERES UNIDAS IMITADA !COMIXMU" NOTA DE COBRO \\\\\ $e \\\\\\\\\\\\\$e# ao\\\\ Sr1 a:\\\\\\\\\\\\\\\\\\\\\\ a:\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ \\\\\\\\\\\\\\\\\\\\\ Re-1 Pr%er: Re,er%e"to $e Pa(o De #a %a"era %a& ate"ta "o& /er%t%o& recor$ar#eK ,e te"e /e"$e"te $e ca"ce#ac)" #a c,ota ,e &e #e 'e"c) e# $a\\\\\\\\$e# ao\\\\\\\\\\ e# c,a# #e a(ra$ecera%o& ,e e" ," /#aFo %.*%o $e oco $a& /ara ,e &e /o"(a a# $a co" #a o=#(ac)"K /ara "o 'er#a a-ecta$a e" &, recor$ cre$tco1 S, c,ota e& #a &(,e"te1 Ca/ta# \\\\\\\\\\\\\\\ I"ter0& Or$"aro \\\\\\\\\\\\\\\\ I"ter0& %oratoro \\\\\\\\\\\\\\\\ Tota# Tota# a Pa(ar \\\\\\\\\\\\\\\\\\\\ Le &o#cta%o& /a&ar /or ",e&tra& o-c"a& a ca"ce#ar #a ca"t$a$ a"te& %e"co"a$a e" e# tra"&c,r&o $e# /#aFo e&ta=#ec$o1 Ate"ta%e"teK \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ DEPARTAMENTO DEPARTAMENTO DE RECUPERACION RECUPE RACION RECIBI CONHORME:\\\\\\\\\\\\\\\\\\\\\\\\\\

CC1 E*/e$e"te


CC1 A'a#e&

12. SEUNDO RE;UERIMIENTO DE PAO COOPERATIVA MIXTA MUJERES UNIDAS IMITADA !COMIXMU" NOTA DE COBRO \\\\\ $e \\\\\\\\\\\\\$e# ao\\\\ Sr1 a:\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ Re-1 Se(,"$o: Re,er%e"to $e Pa(o De #a %a"era %.& ate"ta "o& /er%t%o& recor$ar#eK ,e te"e /e"$e"te $e ca"ce#ac)" #a c,ota ,e &e #e 'e"c) e# $a\\\\\\\\$e# ao\\\\\\\\\\ e# c,a# #e a(ra$ecera%o& ,e e" ," /#aFo %.*%o $e oco $a& /ara ,e &e /o"(a a# $a co" #a o=#(ac)"K /ara "o 'er#a a-ecta$a e" &, recor$ cre$tco1 S, c,ota e& #a &(,e"te1 Ca/ta# \\\\\\\\\\\\\\\ I"ter0& Or$"aro \\\\\\\\\\\\\\\\ I"ter0& %oratoro \\\\\\\\\\\\\\\\ Tota# a Pa(ar \\\\\\\\\\\\\\\\\\\\ Le &o#cta%o& /a&ar /or ",e&tra& o-c"a& a ca"ce#ar #a ca"t$a$ a"te& %e"co"a$a e" e# tra"&c,r&o $e# /#aFo e&ta=#ec$o1 Ate"ta%e"teK \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ DEPARTAMENTO DE RECUPERACION RECIBI CONHORME:\\\\\\\\\\\\\\\\\\\\\\\\\\\

CC1 E*/e$e"t0 CC1 A'a#e&

1<. TERCER RE;UERIMIENTO DE PAO

COOPERATIVA MIXTA MUJERES UNIDAS IMITADA !COMIXMU" NOTA DE COBRO \\\\\ $e \\\\\\\\\\\\\$e# ao\\\\ Sr1 a:\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ Re-1 Tercer: Re,er%e"to $e Pa(o

Informe de Practica Profesional De #a %a"era %.& ate"ta "o& /er%t%o& recor$ar#eK ,e te"e /e"$e"te $e ca"ce#ac)" #a c,ota ,e &e #e 'e"c) e# $a \\\\\\\\$e# ao\\\\\\\\\\ e# c,a# #e a(ra$ecera%o& ,e e" ," /#aFo %.*%o $e oco $a& /ara ,e &e /o"(a a# $a co" #a o=#(ac)"K /ara "o 'er#a a-ecta$a e" &, recor$ cre$tco1 S, c,ota e& #a &(,e"te1 Ca/ta# \\\\\\\\\\\\\\\ I"ter0& Or$"aro \\\\\\\\\\\\\\\\ I"ter0& %oratoro \\\\\\\\\\\\\\\\ Tota# a Pa(ar \\\\\\\\\\\\\\\\\\\\ Le &o#cta%o& /a&ar /or ",e&tra& o-c"a& a ca"ce#ar #a ca"t$a$ a"te& %e"co"a$a e" e# tra"&c,r&o $e# /#aFo e&ta=#ec$o1 Ate"ta%e"teK \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ DEPARTAMENTO DE RECUPERACION RECIBI CONHORME:\\\\\\\\\\\\\\\\\\\\\\\\\\\

CC1 E*/e$e"t0 CC1 A'a#e&

1>. CITACION COOPERATIVA MIXTA MUJERES UNIDAS IMITADA !COMIXMU" 'IIA A ESPERAN)A CITACION ABOGADO \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ APODERADO LEGAL COMI?MUL BARRIO ERAMANI HRENTE A CLINIICA SAN CARLOS LA ESPERANZAK INTIBUCA

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C,ota& e" %ora: \\\\\\\\\\\\\\\\\\ Sa#$o tota# e" %ora: \\\\\\\\\\\\\\\ Se #e $a o/c)" ,e a(a ,"a e'a#,ac)" $e &, ca/ac$a$ $e /a(o +a ,e co%o a$'erte"ca are%o& tra&/a&o& $e $e,$a o e" to$o ca&o & e*&te a#(,"a /oteca acer re%ate $e /ro/e$a$1 S" %.& %e &,&cr=o co" to$o re&/eto1 Da$o e" #a c,$a$ $e La E&/era"Fa a #o& \\\\\\\\\ $a& $e# %e& $e \\\\\\\ $e# 3@23 \\\\\\\\\\\\\\\\\\\\\\\\\ A=o(a$o

1?. ENCUESTA APLICADA A LAS SOCIAS DE LA COOPERATIVA MIXTA DE MUJERES UNIDAS LIMITADA COMIXMUL 21! WCo"oce ,&te$K to$o& #o& &er'co& ,e #e o-rece La Coo/erat'a M*ta M,5ere& U"$a& L%ta$a COMI?MULX SI\\\\\\

NO\\\\\\\\ 5%

95%

SI

NO

Se e"c,e&taro" a &ete"ta &oca& & co"oca" to$o& #o& &er'co& $e #a coo/erat'a COMI?MUL + e# c"co /or ce"to $e #a& &oca& co"oca" to$o& #o& &er'co& $e #a coo/erat'a1


31! WTe"e co"oc%e"to ,&te$ ,e /r)*%a%e"te COMI?MUL &e tra&#a$ar. a ," ",e'o #oca#X SI\\\\\\\\\

NO\\\\\\\\\

13%

87%

SI

NO

Se e"c,e&taro" a #a& &oca & te"a" co"oc%e"to $e# ",e'o #oca# $e #a coo/erat'a COMI?MUL + e# oce"ta + &ete /or ce"to "o te"a" co"oc%e"to ,e &e tra&#a$ara" a ," ",e'o #oca#1 41! WCo"oce ,&te$ #o& ",e'o& oraro& $e ate"c)" a# /=#co ,e e&t. /re&ta"$o #a coo/erat'aX SI\\\\\\\\

NO\\\\\\\\\\\

5%

95%

SI

NO

De #o& ",e'o& oraro& $e #a coo/erat'a &o#o ," c"co /or ce"to te"e" co"oc%e"to1


61! WA# &o#ctar ," cr0$toK #a a(#$a$ + ca#$a$ $e# &er'co e&X E*ce#e"te\\\\\\ B,e"a

\\\\\\

Re(,#ar \\\\\\ Ma#a \\\\\\\ 7% 1% 19%

73%

Excelunte

Buena

Regular

Mala

De &ete"ta &oca& ",e'a& a# &o#ctar ," cr0$to c,a# -,e &, ca#$a$ $e &er'co co" ," &ete"ta + tre& /or ce"to ,e #a& trataro" e*ce#e"te + &o#o ,"o /or ce"to %a#a #a ate"c)"1 71 9a rea#Fa$o cr0$to& e" e&ta "&tt,c)" SI\\\\\\

NO\\\\\\

13%

87%

SI

NO

La %a+ora $e #a& /er&o"a& e"c,e&ta$a& &o" &oca& $e #a coo/erat'aK a#(,"a& &o#cta"$o cr0$to& /or /r%era 'eF

Informe

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