Diseño de un manual de crédito y cobranzas orientado a la reducción de la cartera vencida para la empresa Ice Zone del cantón Naranjal en el año 2017
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2018
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
La investigación del “Diseño de un Manual de Crédito y Cobranzas
orientado a la reducción de la cartera vencida para la empresa “Ice Zone”,
del Cantón Naranjal, en el año 2018”, entre sus objetivos planteó:
Determinar las fortalezas y debilidades del actual sistema de gestión de
créditos y cobranzas, analizar los procesos de gestión de créditos y
cobranzas que optimicen la recuperación de cartera vencida y Proponer el
diseño de un manual de créditos y cobranzas que permita la recuperación
de cartera vencida, en la que se consideró justificar desde el punto de
vista teórico con la consulta de libros, estudios anteriores que sirvieron
como referencia, documentos, entre otros. En la metodología se utilizó las
técnicas de la entrevista y la encuesta, con los instrumentos del
cuestionario, relacionada con las variables. Ambas técnicas se las aplicó
personalmente y los resultados se los representó en tablas y figuras y
encontrar hallazgos relevantes y que permitió la elaboración de un manual
para la recuperación de la cartera y se exponen los datos necesarios de la
empresa y los antecedentes, así como una guía específica en la que se
toman en consideración plantear el tipo de cobro, el contrato de un gestor
de cobro y los incentivos para lograr reducir la cartera vencida. El trabajo
de titulación espera lograr que el estudio sirva para recuperar las cuentas
impagas, cuyos beneficiarios principales son los dueños de la empresa e
indirectamente un apoyo a los clientes. Al final se concluye, recomienda,
tiene bibliografía y anexos.
The investigation of the "Design of a Manual of Credit and Collection oriented to the reduction of the overdue portfolio for the company" Ice Zone ", of the Canton Naranjal, in the year 2018", among its objectives raised: Determine the strengths and weaknesses of the current credit and collections management system, analyze credit and collections management processes that optimize the recovery of overdue portfolio and propose the design of a loan and collection manual that allows the recovery of past due loans, in which it was considered justified from the theoretical point of view with the consultation of books, previous studies that served as reference, documents, among others. In the methodology we used the techniques of the interview and the survey, with the instruments of the questionnaire, related to the variables. Both techniques were applied personally and the results were represented in tables and figures and find relevant findings and that allowed the preparation of a manual for the recovery of the portfolio and the necessary data of the company and the background are exposed, as well as a specific guide in which consideration is given to the type of collection, the contract of a collection manager and the incentives to reduce the past due portfolio. The titling work hopes to achieve that the study serves to recover unpaid accounts, whose main beneficiaries are the owners of the company and indirectly support the clients. In the end it is concluded, recommended, has bibliography and annexes.
The investigation of the "Design of a Manual of Credit and Collection oriented to the reduction of the overdue portfolio for the company" Ice Zone ", of the Canton Naranjal, in the year 2018", among its objectives raised: Determine the strengths and weaknesses of the current credit and collections management system, analyze credit and collections management processes that optimize the recovery of overdue portfolio and propose the design of a loan and collection manual that allows the recovery of past due loans, in which it was considered justified from the theoretical point of view with the consultation of books, previous studies that served as reference, documents, among others. In the methodology we used the techniques of the interview and the survey, with the instruments of the questionnaire, related to the variables. Both techniques were applied personally and the results were represented in tables and figures and find relevant findings and that allowed the preparation of a manual for the recovery of the portfolio and the necessary data of the company and the background are exposed, as well as a specific guide in which consideration is given to the type of collection, the contract of a collection manager and the incentives to reduce the past due portfolio. The titling work hopes to achieve that the study serves to recover unpaid accounts, whose main beneficiaries are the owners of the company and indirectly support the clients. In the end it is concluded, recommended, has bibliography and annexes.
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Palabras clave
ADMINISTRACION, CREDITO Y COBRANZAS, RECUPERACION DE CARTERA, VENCIDA, MANUAL