Manual de crédito y cobranza para mejorar la recaudación de cartera de la empresa Sistem Ecuador S.A
Fecha
2021
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Universidad de Guayaquil
Resumen
El presente trabajo de investigación titulada "Manual de crédito y cobranza para mejorar
la recaudación de cartera de la empresa SISTEMECECUADOR S.A" es una empresa
especializada en brindar soluciones de Contact Center y Operaciones de Cartera sustentada
en el desarrollo de gestiones eficientes y basadas en el saber especializado. Esta empresa no
presenta una rentabilidad estable y una de las razones es que presenta problemas en la
recuperación de cartera presentando falencia en el departamento de crédito y cobranza. Este
proyecto se originó con la finalidad de elaborar un manual de crédito y cobranza para mejorar
la recaudación de cartera de la empresa, este estudio se realizó bajo la respectiva metodología
mixta cuali-cuantitativa, investigación e tipo descriptiva. Se realizo análisis de los estados
financieros y una entrevista con el personal que conforma en el departamento de la
problemática, se obtuvo como resultado que en la entidad existen evidentes deficiencias en
el departamento de crédito y cobranza. la falta de un control adecuado sobre la gestión de
crédito y cobranza, por ende, se evidencia la ausencia de manuales de procedimientos y
políticas dejando fuera de lugar el análisis adecuado de la capacidad del cliente para el
otorgamiento de crédito y correr el riesgo de no recuperar la catera dentro de un determinado
tiempo.
This research work entitled "Manual of credit and collection to improve the collection of portfolio of the company SISTEMECECUADOR SA" is a company specialized in providing Contact Center solutions and Portfolio Operations based on the development of efficient and knowledge-based procedures specialized. This company does not present a stable profitability and one of the reasons is that it presents problems in the recovery of the portfolio, presenting a deficiency in the credit and collection department. This project originated with the purpose of developing a credit and collection manual to improve the collection of the company's portfolio, this study was carried out under the respective qualitative-quantitative mixed methodology, research and descriptive type. An analysis of the financial statements and an interview with the personnel that make up the problem department was carried out. The result was that there are evident deficiencies in the credit and collection department in the entity. The lack of adequate control over credit management and collection, therefore, the absence of procedures and policies manuals is evident, leaving out of place the adequate analysis of the client's capacity to grant credit and running the risk of not recover the cather within a certain time.
This research work entitled "Manual of credit and collection to improve the collection of portfolio of the company SISTEMECECUADOR SA" is a company specialized in providing Contact Center solutions and Portfolio Operations based on the development of efficient and knowledge-based procedures specialized. This company does not present a stable profitability and one of the reasons is that it presents problems in the recovery of the portfolio, presenting a deficiency in the credit and collection department. This project originated with the purpose of developing a credit and collection manual to improve the collection of the company's portfolio, this study was carried out under the respective qualitative-quantitative mixed methodology, research and descriptive type. An analysis of the financial statements and an interview with the personnel that make up the problem department was carried out. The result was that there are evident deficiencies in the credit and collection department in the entity. The lack of adequate control over credit management and collection, therefore, the absence of procedures and policies manuals is evident, leaving out of place the adequate analysis of the client's capacity to grant credit and running the risk of not recover the cather within a certain time.
Descripción
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Palabras clave
MANUAL, CRÉDITO, COBRANZA, RECAUDACIÓN, CARTERA
Citación
APA