Análisis de los servicios financieros que afectan el grado de satisfacción de los pequeños agricultores en la Ciudad de Guayaquil
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2015
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
El presente trabajo enfoca el análisis del impacto de los créditos financieros que afectan el grado de satisfacción de los usuarios de la Comunidad de Puerto Hondo de la ciudad de Guayaquil, al solicitar un crédito bancario.
De acuerdo al convenio profesional con una entidad financiera de la ciudad de Guayaquil, que pertenece entre los 5 bancos más grandes del Ecuador, según la Superintendencia de Bancos y reconocidos a nivel internacional (Times, 2014), manteniendo actualmente una calificación AAA- (Ranking, 2014), se proporcionan las solicitudes de usuarios que requieren un Crédito bancario.
Cabe resaltar que debido al principio de confidencialidad y sigilo bancario, se mantiene la privacidad de toda información adicional a la que se establece en el presente documento.
A partir del análisis de la información proporcionada por la entidad bancaria, se identificaron los factores administrativos, económicos y sociales principales que influyen en el nivel de satisfacción de los usuarios al solicitar un crédito bancario.
El trabajo desarrollado evalúa la situación actual en la Comunidad de Puerto Hondo de la ciudad de Guayaquil, con respecto a la adquisición de créditos bancarios por entes económicos o jurídicos, donde se plantea la hipótesis de existencia de factores internos y externos a la entidad financiera que impiden el acceso a los créditos bancarios por los usuarios, específicamente por entes que permiten el desarrollo agrícola de la comunidad. Por tal énfasis se filtran y prioriza de la base de datos de la entidad bancaria todas las solicitudes provenientes de usuarios que mantienen una línea comercial enfocada a la agricultura. Para una mejor concepción y propuesta de solución a la problemática, se identifica y analiza el impacto de los factores influyentes, mediante un análisis a 200 solicitudes de crédito en la línea y tipo de sector económico referido (Sector agricultura). La cantidad de solicitudes provistas para la evaluación y desarrollo del presente trabajo parte previa autorización y sigilo entre el autor del presente trabajo y la entidad financiera, que de acuerdo a especificaciones y disposiciones internas considera gran representación de las solicitudes de crédito, provenientes de la comunidad de Puerto Hondo bajo el tipo de solicitante de acuerdo al sector económico.
Recopilada la información a través de las encuestas, y mediante un método estadístico cualitativo se procede a tabular la información a través de una herramienta utilitaria digital con el objetivo de identificar y establecer los 3 factores más influyentes y evaluar sus causas.
Finalmente se plantea una propuesta conservadora que incentive la confianza y garantía de proporcionar créditos financieros por las entidades bancarias, para una representación o usuario “tipo”, específicamente a potenciales beneficiarios de la Comunidad de Puerto Hondo, para el desarrollo de programas de financiamiento al ente agricultor de la comunidad.
This paper focuses on the analysis of the impact of financial credits that affect the level of satisfaction of users of the Parish of Puerto Hondo city of Guayaquil, when applying for a bank loan. According to the professional agreement with a financial institution in the city of Guayaquil, which belongs among the 5 largest banks in Ecuador, according to the Superintendency of Banks and internationally recognized (Times, 2014), currently maintaining a AAA- rating (Ranking , 2014), requests for users who require a bank loan provided. It should be noted that due to the principle of confidentiality and bank secrecy, privacy of any additional information that is set in this document is kept. From the analysis of information provided by the bank, the main administrative, economic and social factors that influence the level of user satisfaction when applying for a bank loan is identified. The developed paper evaluates the current situation in the parish of Puerto Hondo city of Guayaquil, with respect to the acquisition of bank credits for economic or legal entities, where the hypothesis of internal and external factors to the financial institution that arises blocking access to bank loans by users, specifically by entities that allow agricultural development of the parish. For this emphasis filter and prioritize the database of the bank all requests from users who maintain a business line focused on agriculture. For a better understanding and proposed solution to the problem, it identifies and analyzes the impact of influential factors by analyzing 200 requests credit line and type concerned economic sector (agriculture sector). The number of applications provided for evaluation and development of this work part stealth prior authorization from the author of this work and the financial institution, which according to internal specifications and provisions considered great representation of credit applications, from parish Puerto Hondo on the type of applicant according to economic sector. Information collected through surveys and through a qualitative statistical method proceeds to tabular information through a digital utility tool in order to identify and establish the 3 most influential factors and assess their causes. Finally, a conservative approach that encourages confidence and assurance of providing financial credits by banks , for a performance or user "type", specifically to potential beneficiaries of the Parish of Puerto Hondo, to develop financing programs being arises farmer in the parish.
This paper focuses on the analysis of the impact of financial credits that affect the level of satisfaction of users of the Parish of Puerto Hondo city of Guayaquil, when applying for a bank loan. According to the professional agreement with a financial institution in the city of Guayaquil, which belongs among the 5 largest banks in Ecuador, according to the Superintendency of Banks and internationally recognized (Times, 2014), currently maintaining a AAA- rating (Ranking , 2014), requests for users who require a bank loan provided. It should be noted that due to the principle of confidentiality and bank secrecy, privacy of any additional information that is set in this document is kept. From the analysis of information provided by the bank, the main administrative, economic and social factors that influence the level of user satisfaction when applying for a bank loan is identified. The developed paper evaluates the current situation in the parish of Puerto Hondo city of Guayaquil, with respect to the acquisition of bank credits for economic or legal entities, where the hypothesis of internal and external factors to the financial institution that arises blocking access to bank loans by users, specifically by entities that allow agricultural development of the parish. For this emphasis filter and prioritize the database of the bank all requests from users who maintain a business line focused on agriculture. For a better understanding and proposed solution to the problem, it identifies and analyzes the impact of influential factors by analyzing 200 requests credit line and type concerned economic sector (agriculture sector). The number of applications provided for evaluation and development of this work part stealth prior authorization from the author of this work and the financial institution, which according to internal specifications and provisions considered great representation of credit applications, from parish Puerto Hondo on the type of applicant according to economic sector. Information collected through surveys and through a qualitative statistical method proceeds to tabular information through a digital utility tool in order to identify and establish the 3 most influential factors and assess their causes. Finally, a conservative approach that encourages confidence and assurance of providing financial credits by banks , for a performance or user "type", specifically to potential beneficiaries of the Parish of Puerto Hondo, to develop financing programs being arises farmer in the parish.