Estrategias para la Gestión de cartera en Worldestinations S.A.
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Fecha
2019
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
La presente investigación realizada en la agencia de viajes WORLDESTINATIONS S.A., se realizó un análisis de la gestión de la cartera y del proceso en la recuperación el cual determinó falencias al momento de gestionar la cobranza, se evidenció que no existe control en el departamento de crédito y cobranza, la falta de procedimientos y políticas afecta las actividades internas ya que el personal no tiene el suficiente conocimiento de la actividad a realizar, por ende, las funciones del personal no es la adecuada ya que carecen de responsabilidades. Esta situación ocasiona que la agencia tenga inconvenientes con el rendimiento económico y un decaimiento en su liquidez, se estableció como propuesta implementar procedimientos y directrices para una adecuada gestión del crédito y cobranza mejorando así la recuperación de la cartera vencida, se evaluará la situación del cliente con la finalidad de mejorar la efectividad en la concesión del crédito asegurando que el proceso sea eficiente.
The present investigation carried out in the travel agency WORLDESTINATIONS SA was an analysis of the management of the portfolio and of the process in the recovery which determined flaws when managing the collection, it was evidenced that there is no control in the credit department and collection, the lack of procedures and policies affects the internal activities since the personnel does not have sufficient knowledge of the activity to be carried out, therefore, the functions of the personnel are not adequate since they lack responsibilities. This situation causes the agency to have problems with the economic performance and a decline in its liquidity, it was established as a proposal to implement procedures and guidelines for proper credit management and collection thus improving the recovery of the past due portfolio, assess the customer's situation in order to improve the effectiveness of the credit granting ensuring that the process is efficient.
The present investigation carried out in the travel agency WORLDESTINATIONS SA was an analysis of the management of the portfolio and of the process in the recovery which determined flaws when managing the collection, it was evidenced that there is no control in the credit department and collection, the lack of procedures and policies affects the internal activities since the personnel does not have sufficient knowledge of the activity to be carried out, therefore, the functions of the personnel are not adequate since they lack responsibilities. This situation causes the agency to have problems with the economic performance and a decline in its liquidity, it was established as a proposal to implement procedures and guidelines for proper credit management and collection thus improving the recovery of the past due portfolio, assess the customer's situation in order to improve the effectiveness of the credit granting ensuring that the process is efficient.
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GESTIÓN, PROCEDIMIENTOS, CRÉDITO, COBRANZA