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Gestión financiera que minimice el riesgo crediticio de BanEcuador sucursal Babahoyo
| dc.contributor.advisor | Carrasco Echeverría, Gina Maribel | |
| dc.contributor.author | Muñoz Monar, Víctor Hugo | |
| dc.date.accessioned | 2020-05-01T21:19:02Z | |
| dc.date.available | 2020-05-01T21:19:02Z | |
| dc.date.issued | 2020 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/7583 | |
| dc.description | The research carried out for the analysis of financial management and credit risk reduction in the BanEcuador agency of the city of Babahoyo determines as one of the main weaknesses, the inadequate placement of credits, because the agricultural sector is financed without due technical studies of feasibility, which is why the credit risk increases, in addition this situation demonstrates the weak prolixity of the management in carrying out constant evaluations to the people who have assigned the credits. The institution does not implement new methodologies or collection strategies to recover the overdue portfolio in the shortest amount of time, which indicates that the management of the BanEcuador of the city of Babahoyo does not apply internal control actions that improve the work activities carried out by the officers of credits and the Collection Department, which is why the objective of the investigation is to analyze the weaknesses of the financial administration and the credit risk. The applied research methodology is composed of the type of exploratory research, inductive method, survey technique and as an instrument two questionnaires aimed at the observation units to obtain relevant data on the subject analyzed. The results of the investigation consist that the credit risk of the institution is inadequate, at present it has more than 3,000 clients that have an overdue portfolio, and weaknesses in human talent are identified for the work of collection and credit placement and as a conclusion It is mentioned that the organizational management of the BanEcuador must adopt a strategic plan that improves the financial administration in terms of credit risk. | es_ES |
| dc.description | The research carried out for the analysis of financial management and credit risk reduction in the BanEcuador agency of the city of Babahoyo determines as one of the main weaknesses, the inadequate placement of credits, because the agricultural sector is financed without due technical studies of feasibility, which is why the credit risk increases, in addition this situation demonstrates the weak prolixity of the management in carrying out constant evaluations to the people who have assigned the credits. The institution does not implement new methodologies or collection strategies to recover the overdue portfolio in the shortest amount of time, which indicates that the management of the BanEcuador of the city of Babahoyo does not apply internal control actions that improve the work activities carried out by the officers of credits and the Collection Department, which is why the objective of the investigation is to analyze the weaknesses of the financial administration and the credit risk. The applied research methodology is composed of the type of exploratory research, inductive method, survey technique and as an instrument two questionnaires aimed at the observation units to obtain relevant data on the subject analyzed. The results of the investigation consist that the credit risk of the institution is inadequate, at present it has more than 3,000 clients that have an overdue portfolio, and weaknesses in human talent are identified for the work of collection and credit placement and as a conclusion It is mentioned that the organizational management of the BanEcuador must adopt a strategic plan that improves the financial administration in terms of credit risk. | es_ES |
| dc.description.abstract | La investigación realizada para el análisis de la gestión financiera y reducción del riesgo crediticio en la agencia del BanEcuador de la ciudad de Babahoyo, determina una de las principales debilidades, que es la inadecuada colocación de créditos, porque se financia el sector agrícola sin los debidos estudios técnicos de factibilidad, motivo por el cual el riesgo crediticio aumenta, además dicha situación demuestra la débil prolijidad de la gestión en realizar evaluaciones constantes a las personas que se han asignado los créditos. La institución no implementa nuevas metodologías o estrategias de cobro para recuperar la cartera vencida en la menor cantidad de tiempo, lo que denota que la gestión del BanEcuador de la ciudad de Babahoyo no aplica acciones de control interno que mejore las actividades laborales realizadas por los oficiales de créditos y Departamento de Cobranza, motivo por el cual el objetivo de la investigación es analizar los problemas de la administración financiera y el riesgo crediticio. La metodología aplicada está compuesta por el tipo de investigación exploratoria, método inductivo, técnica de la encuesta y como instrumento dos cuestionarios dirigidos a las unidades de observación para la obtención de datos relevantes sobre el tema analizado. Los resultados de la investigación consisten que el riesgo crediticio de la institución es inadecuado, en la actualidad cuenta con más de 3.000 clientes en la cartera vencida, además se identifica debilidades en el talento humano para las labores de cobranza y colocación de créditos, como conclusión se menciona que la gestión organizacional del BanEcuador, debe adoptar un plan estratégico que mejore la administración financiera en cuanto al riesgo crediticio. | es_ES |
| dc.format.extent | 37 p. | es_ES |
| dc.language.iso | es | es_ES |
| dc.publisher | Babahoyo, UTB - FAFI 2020 | es_ES |
| dc.rights | Atribución-NoComercial-SinDerivadas 3.0 Ecuador | * |
| dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/3.0/ec/ | * |
| dc.subject | Créditos | es_ES |
| dc.subject | Políticas | es_ES |
| dc.subject | Gestión | es_ES |
| dc.subject | Cartera Vencida | es_ES |
| dc.subject | Control | es_ES |
| dc.title | Gestión financiera que minimice el riesgo crediticio de BanEcuador sucursal Babahoyo | es_ES |
| dc.type | bachelorThesis | es_ES |
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