Análisis del crecimiento de la cartera en Guayaquil de la empresa Univisa en el 2016
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Fecha
2017
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Universidad de Guayaquil, Facultad de Ciencias Administrativas, Dirección de Posgrado
Resumen
La presente investigación, tiene como principal objetivo conocer las causas que originaronel aumento de la cartera en la empresa de Telecomunicaciones Univisa S.A. de la ciudad de Guayaquil. La operadora está en el mercado aproximadamente hace 23 años, ofreciendo a los hogares ecuatorianos el servicio de televisión satelital e internet de banda ancha. Por otra parte poder mantener las cuentas por cobrar al día,implica una buena gestión del área de crédito y cobranzas, por lo cual en el presente estudio se usará el tipo de investigación cuali-cuantitativa porque se formulará una serie de preguntas, y entrevista al experto del área de crédito y cobranzas; así mismo, se aplicarámétodos de investigación de campo y documental, al realizarse en el mismo lugar donde ocurren los hechos y con información obtenida de la misma empresa. Como resultado se obtuvo, que la antigüedad de la cartera pasalos 30 días, teniendo el riesgo que a mayor vencimiento, se puede convertir en impaga, desencadenando ineficiencia productiva y rentable; además de existir un mal manejo del score crediticiocon el que se está aceptando que un cliente pase a formar parte de sus abonados. Se concluye que se debe contar con personal capacitado que alcance abastecer el proceso de cobro, manteniendo un manual de cobranzas actualizada, y una política de crédito más rigurosa para que no sea afectado el desenvolvimiento financiero de la empresa Univisa S.A.
This research has as main objective to know the causes that caused the increase of the portfolio in the Telecomunicaciones Univisa S.A. Of the city of Guayaquil. The operator has been in the market for approximately 23 years, offering Ecuadorian households satellite TV and broadband internet service. On the other hand, being able to keep accounts receivable up to date implies a good management of the area of credit and collections, so in this study the type of qualitative-quantitative research will be used because a series of questions will be formulated, Expert in the area of credit and collections; Likewise, field and documentary research methods will be applied, when carried out in the same place where the events occur and with information obtained from the same company. As a result it was obtained that the seniority of the portfolio passes the 30 days, having the risk that to greater expiration, can become unpaid, triggering productive and profitable inefficiency; In addition to there being a mismanagement of the credit score with which it is being accepted that a customer becomes part of its subscribers. It is concluded that there must be trained personnel that can supply the collection process, maintaining an updated collection manual, and a more rigorous credit policy so that the financial development of Univisa S.A. is not affected.
This research has as main objective to know the causes that caused the increase of the portfolio in the Telecomunicaciones Univisa S.A. Of the city of Guayaquil. The operator has been in the market for approximately 23 years, offering Ecuadorian households satellite TV and broadband internet service. On the other hand, being able to keep accounts receivable up to date implies a good management of the area of credit and collections, so in this study the type of qualitative-quantitative research will be used because a series of questions will be formulated, Expert in the area of credit and collections; Likewise, field and documentary research methods will be applied, when carried out in the same place where the events occur and with information obtained from the same company. As a result it was obtained that the seniority of the portfolio passes the 30 days, having the risk that to greater expiration, can become unpaid, triggering productive and profitable inefficiency; In addition to there being a mismanagement of the credit score with which it is being accepted that a customer becomes part of its subscribers. It is concluded that there must be trained personnel that can supply the collection process, maintaining an updated collection manual, and a more rigorous credit policy so that the financial development of Univisa S.A. is not affected.
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COBRANZAS, TELEFONIA MOVIL, SCORE CREDITICIO, RENTABILIDAD, POLITICA