Evaluación del programa de microcréditos del banco solidario de la ciudad de Guayaquil en el periodo 2013- 2014
Fecha
2015
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Los créditos son los elementos sustanciales y necesarios para que se ejecuten actividades organizacionales, el tema relacionado a evaluación del programa de microcréditos del banco solidario nos da un criterio claro de cómo debe manejarse los créditos dentro de una institución financiera y la importancia directa de la estrategias, para el adecuado manejo de una base de dato que permita conocer, considerar, evaluar, y resaltar a cada cliente que forma parte del banco solidario, es por ello que el objetivo de la investigación es Analizar el proceso de Microcréditos del Banco Solidario en la ciudad de Guayaquil, con el fin de mejorar el procedimiento que debe realizar el cliente para adquirir un crédito, para lo cual se utiliza una metodología descriptiva de todos los clientes que han sido beneficiado por un crédito y que constantemente tienen el interés y la necesidad de establecer una responsabilidad directa con el Banco. Se plantearon preguntas dentro de las encuestas en donde cada usuario indica su proceder y trato que reciben, además de sentirse debidamente respaldadas por la entidad. La hipótesis planteada referente la revisión y sugerencias posibles a realizar en los procesos de otorgar los microcréditos a los clientes del Banco Solidario se mejorará el servicio de atención a los usuarios dentro de dicha Institución de la ciudad de “Guayaquil” es aceptada y contribuye al proceso de mejoramiento de la entidad, además de proponer un adecuado manejo de CRM que optimicen el acierto en el trato para con cada cliente. Concluimos que la necesidad de una base de dato es predominante en la atención, además de que el personal debe constantemente capacitarse y dar un criterio de servicio y ayuda a cada microempresario, para lo cual se forjan el respeto y consideración de las políticas y lineamiento que requiere el banco en el momento de asimilar un crédito productivo.
Credit is the substantial and necessary elements for organizational activities are implemented, the issue related to program evaluation solidarity microcredit bank gives us a clear view of how to handle claims within a financial institution and the direct relevance of the strategies for the proper management of a data base that allows to know, consider, evaluate, and enhance each client that is part of solidarity bank, which is why the aim of the research is to analyze the process of Microcredit in Banco Solidario Guayaquil, in order to improve the procedure to be performed by the customer to acquire a loan, for which a descriptive methodology to all customers who have been benefited by a credit is used and constantly have the interest and the need to establish a direct responsibility to the Bank. Questions were raised in the survey where each user indicates their actions and their treatment, plus feel adequately supported by the entity. The hypothesis concerning the review and suggestions possible to make in the process of granting micro-credits to customers of Banco Solidario the service users will be improved within that institution city "Guayaquil" is accepted and contributes to the process improvement of the organization, in addition to proposing a suitable management that optimize CRM success in the treatment of each customer. We conclude that the need for a data base is predominantly in care, plus they must constantly train staff and provide service criteria and helps each small businessman, for which the respect and consideration of policy and guideline that are forged It requires the bank at the time of assimilating a production credit
Credit is the substantial and necessary elements for organizational activities are implemented, the issue related to program evaluation solidarity microcredit bank gives us a clear view of how to handle claims within a financial institution and the direct relevance of the strategies for the proper management of a data base that allows to know, consider, evaluate, and enhance each client that is part of solidarity bank, which is why the aim of the research is to analyze the process of Microcredit in Banco Solidario Guayaquil, in order to improve the procedure to be performed by the customer to acquire a loan, for which a descriptive methodology to all customers who have been benefited by a credit is used and constantly have the interest and the need to establish a direct responsibility to the Bank. Questions were raised in the survey where each user indicates their actions and their treatment, plus feel adequately supported by the entity. The hypothesis concerning the review and suggestions possible to make in the process of granting micro-credits to customers of Banco Solidario the service users will be improved within that institution city "Guayaquil" is accepted and contributes to the process improvement of the organization, in addition to proposing a suitable management that optimize CRM success in the treatment of each customer. We conclude that the need for a data base is predominantly in care, plus they must constantly train staff and provide service criteria and helps each small businessman, for which the respect and consideration of policy and guideline that are forged It requires the bank at the time of assimilating a production credit
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EVALUCION DE PROGRAMA, MICROCREDITO, BANCO SOLIDARIO, IMPORTANCIA