Diseño de un modelo de flujo de cobros para mejorar la gestión de la recuperación de la cartera en las empresas inmobiliarias
Fecha
2017
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
En el desarrollo del comercio inmobiliario de la ciudad de Guayaquil, existe una fragilidad en las tácticas de cobros y recuperación del portafolio para el flujo de caja que deben tener las empresas inmobiliarias, conllevando esto, a un resultado de incumplimiento de los pagos establecidos, una inadecuada gestión de cobros que no permite lograr el cumplimiento del presupuesto deseado y la revisión de cartera, que va en disminución, que debe tener el fin de depurarla y ver la posibilidad de refinanciar dependiendo del caso, así como el plazo promedio de cobranzas, la antigüedad promedio de la deuda, limitando con esto, un verdadero flujo de remesas de efectivo en el medio inmobiliario, para la ejecución operativa en obras, que permitan contribuir a la sostenibilidad social y económica. El presente estudio de caso tiene como objetivo general, propender a un desarrollo económico sectorial, mediante la propuesta del diseño de un modelo de flujo de cobros con el objetivo de mejorar la gestión en la recuperación del portafolio de las empresas inmobiliarias de la ciudad de Guayaquil, facilitando la implementación de un método que proporcionará obtener una adecuada gestión de cobros y recuperación para el flujo de caja que deben tener las empresas inmobiliarias, permitiendo un crecimiento económico de manera equilibrada, equitativa y sostenida, teniendo como premisa la importancia del desarrollo en el sector inmobiliario, que permitirá con perspectivas de desarrollo y crecimiento en el corto y mediano plazo, dinami
In the development of real estate in the city of Guayaquil, there is a fragility in the collection and recovery tactics of the portfolio for the cash flow that real estate companies must have, leading to a result of default of payments established, a Inadequate collections management that does not allow to achieve the desired budget and portfolio review, which is decreasing, that must have the purpose of debugging it and see the possibility of refinancing depending on the case, as well as the average collection period, the Average debt length, limiting with this, a real cash remittance flow in the real estate environment, for the operational execution in works, that allow to contribute to the social and economic sustainability. The purpose of this case study is to promote sectoral economic development by proposing the design of a collection flow model with the objective of improving the management of the portfolio of real estate companies in the city of Guayaquil , Facilitating the implementation of a method that will provide an adequate collection and recovery management for the cash flow that real estate companies must have, allowing economic growth in a balanced, equitable and sustained manner, based on the importance of development in the Real estate sector, which will allow development and growth prospects in the short and medium term to boost the sector and national economy, thereby boosting the economic development of the country. Keywords: Collection, Recovery, Management, Portfolio,
In the development of real estate in the city of Guayaquil, there is a fragility in the collection and recovery tactics of the portfolio for the cash flow that real estate companies must have, leading to a result of default of payments established, a Inadequate collections management that does not allow to achieve the desired budget and portfolio review, which is decreasing, that must have the purpose of debugging it and see the possibility of refinancing depending on the case, as well as the average collection period, the Average debt length, limiting with this, a real cash remittance flow in the real estate environment, for the operational execution in works, that allow to contribute to the social and economic sustainability. The purpose of this case study is to promote sectoral economic development by proposing the design of a collection flow model with the objective of improving the management of the portfolio of real estate companies in the city of Guayaquil , Facilitating the implementation of a method that will provide an adequate collection and recovery management for the cash flow that real estate companies must have, allowing economic growth in a balanced, equitable and sustained manner, based on the importance of development in the Real estate sector, which will allow development and growth prospects in the short and medium term to boost the sector and national economy, thereby boosting the economic development of the country. Keywords: Collection, Recovery, Management, Portfolio,
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Palabras clave
COBRANZAS, RECUPERACION, GESTION, CARTERA, INMOBILIARIA