Análisis de cartera microcrédito del banco XYZ, Agencia 123
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2016
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Universidad de Guayaquil
Resumen
El presente estudio se efectúa en la agencia 123 del Banco XYZ, donde dieron apertura con los requerimientos de información (manuales de crédito, procesos y estudio de créditos), donde se recaudó evidencia suficiente y adecuada respecto a la morosidad y el impacto que le genera al banco. El diseño de investigación está basado en la modalidad cualitativa y cuantitativa y el método de investigación adoptado es el inductivo, citando como ejemplo: Retiro de inversión en la cartera microcrédito, debido a la inestabilidad que atraviesa el país, además se analizó el proceso de crédito y estudio previo que se ejecuta a los solicitantes, detectándose procesos no eficientes, eficaces y oportunos, lo cual genera mi propuesta “Diseño de un manual de políticas y procedimientos, con el objetivo de prevenir y mejorar los controles del proceso microcrédito para el sistema financiero”, concluyendo con una mejoría en el flujo del proceso de crédito y una reducción de la morosidad mediante un estudio financiero profundo del solicitante, negocio y de la unidad familiar.
The present study was carried out in the agency 123 of Banco XYZ, where they opened with the information requirements (credit manuals, processes and study of credits), where adequate and adequate evidence was collected regarding the delinquency and the impact that it generates to the Bank. The research design is based on the qualitative and quantitative modality and the method of investigation adopted is the inductive, citing as an example: Withdrawal of investment in the microcredit portfolio, due to the instability that crosses the country, in addition the credit process was analyzed And previous study that is executed to the applicants, detecting processes that are not efficient, effective and timely, which generates my proposal "Design of a policy and procedures manual, with the objective of preventing and improving the controls of the microcredit process for the financial system ", Concluding with an improvement in the flow of the credit process and a reduction of delinquency through a thorough financial study of the applicant, business and family unit.
The present study was carried out in the agency 123 of Banco XYZ, where they opened with the information requirements (credit manuals, processes and study of credits), where adequate and adequate evidence was collected regarding the delinquency and the impact that it generates to the Bank. The research design is based on the qualitative and quantitative modality and the method of investigation adopted is the inductive, citing as an example: Withdrawal of investment in the microcredit portfolio, due to the instability that crosses the country, in addition the credit process was analyzed And previous study that is executed to the applicants, detecting processes that are not efficient, effective and timely, which generates my proposal "Design of a policy and procedures manual, with the objective of preventing and improving the controls of the microcredit process for the financial system ", Concluding with an improvement in the flow of the credit process and a reduction of delinquency through a thorough financial study of the applicant, business and family unit.
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ANALISIS DE CARTERA, MICROCREDITOS, MOROSIDAD