Diseño de gestión de cobros de cartera de clientes de inmobiliaria Macarmi, Año 2017
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Fecha
2019
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Universidad de Guayaquil Facultad de Ciencias Administrativas
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El presente trabajo investigativo de la Inmobiliaria Macarmi, se procedió a realizar un análisis de la situación de los saldos vencidos por cobrar a clientes, así mismo se logró conocer la situación actual de la gestión que mantiene el departamento de créditos y cobranzas, mediante el cual se determinó que no mantienen normas o directrices a la hora de proceder con los cobros y la apertura de créditos, el personal encargado a la gestión desconocen los procesos y no tienen la capacitación requerida para dar solución a los desafíos, está situación ocasionó que la Inmobiliaria tenga inconveniente de liquidez, entre las cuales se ven perjudicados los procesos administrativos. La propuesta de la presente investigación es implementar un manual de procedimientos y directrices para mejorar los procesos actuales en la gestión de créditos y cobranzas, donde se podrá ver reflejado las funciones y objetivos para la evaluación de los clientes, como otra alternativa se estudió la opción de contratación de un tercero “Empresa Servinco”, para proceder con la gestión de recuperación de cartera la cual permita a la Inmobiliaria mejorar la efectividad del cobro de los valores y asegurar la liquidez de la Inmobiliaria Macarmi.
The present investigative work of Inmobiliaria Macarmi, proceeded to perform an analysis of the situation of the past due balances receivable to clients, likewise it was possible to know the current situation of the management maintained by the credit and collections department, through which it was determined that they do not maintain norms or guidelines when proceeding with the collections and the opening of credits, the personnel in charge of the management are unaware of the processes and do not have the training required to solve the challenges, this situation caused the Real Estate have an inconvenience of liquidity, among which the administrative processes are adversely affected. The proposal of the present investigation is to implement a manual of procedures and guidelines to improve the current processes in the management of credits and collections, where the functions and objectives for the evaluation of the clients can be reflected, as another option option was studied. of hiring a third party "Empresa Servinco", to proceed with the portfolio recovery management which allows the Real Estate to improve the effectiveness of the collection of the securities and to ensure the liquidity of the Macarmi Real Estate.
The present investigative work of Inmobiliaria Macarmi, proceeded to perform an analysis of the situation of the past due balances receivable to clients, likewise it was possible to know the current situation of the management maintained by the credit and collections department, through which it was determined that they do not maintain norms or guidelines when proceeding with the collections and the opening of credits, the personnel in charge of the management are unaware of the processes and do not have the training required to solve the challenges, this situation caused the Real Estate have an inconvenience of liquidity, among which the administrative processes are adversely affected. The proposal of the present investigation is to implement a manual of procedures and guidelines to improve the current processes in the management of credits and collections, where the functions and objectives for the evaluation of the clients can be reflected, as another option option was studied. of hiring a third party "Empresa Servinco", to proceed with the portfolio recovery management which allows the Real Estate to improve the effectiveness of the collection of the securities and to ensure the liquidity of the Macarmi Real Estate.
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CARTERA VENCIDA, CRÉDITO, COBRANZA, LIQUIDEZ