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Gestión de recuperación de cartera en la Fundación Espoir de la Ciudad de Babahoyo
| dc.contributor.advisor | Carrasco Echeverría, Gina Maribel | |
| dc.contributor.author | Ramos Hidalgo, Wendy Tatiana | |
| dc.date.accessioned | 2020-09-28T17:19:58Z | |
| dc.date.available | 2020-09-28T17:19:58Z | |
| dc.date.issued | 2020 | |
| dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/8349 | |
| dc.description | The Espoir Foundation of the city of Babahoyo, is a private non-profit organization, this entity's mission is to promote the economic development of microentrepreneurs and microentrepreneurs with the purpose of improving their lifestyle through the provision of micro services financial and non-financial, in addition to having the various credits offered by this Foundation. This case study is based on the impact that the existing Portfolio Recovery Management has in the different groups of loans provided by Espoir which have not been fully paid within the stipulated terms, or which, having been reorganized or renewed, continue to have defaults by the partners or members of the solidarity groups generating an overdue portfolio, which has caused a high percentage of the accounts receivable from the Espoir Foundation. This occurs because on many occasions the partners use the credits that have been granted to them in unnecessary things or in other situations to cover other outstanding debts that the partners who have received the money had, thus causing the credit they have received is not given the necessary use so that it generates more money or profit, that is, investing your money or credit in something productive that creates more capital. The present case study is governed under a subline of investigation which is that of Financial Management, taxation and social commitment, through this subline it was possible to address more in depth about the shortcomings that influence and that are of great interest to be analyzed at the Espoir Foundation, in addition to knowing if the methods or strategies used by the Foundation are of great use to them to reduce their accounts receivable. | es_ES |
| dc.description | The Espoir Foundation of the city of Babahoyo, is a private non-profit organization, this entity's mission is to promote the economic development of microentrepreneurs and microentrepreneurs with the purpose of improving their lifestyle through the provision of micro services financial and non-financial, in addition to having the various credits offered by this Foundation. This case study is based on the impact that the existing Portfolio Recovery Management has in the different groups of loans provided by Espoir which have not been fully paid within the stipulated terms, or which, having been reorganized or renewed, continue to have defaults by the partners or members of the solidarity groups generating an overdue portfolio, which has caused a high percentage of the accounts receivable from the Espoir Foundation. This occurs because on many occasions the partners use the credits that have been granted to them in unnecessary things or in other situations to cover other outstanding debts that the partners who have received the money had, thus causing the credit they have received is not given the necessary use so that it generates more money or profit, that is, investing your money or credit in something productive that creates more capital. The present case study is governed under a subline of investigation which is that of Financial Management, taxation and social commitment, through this subline it was possible to address more in depth about the shortcomings that influence and that are of great interest to be analyzed at the Espoir Foundation, in addition to knowing if the methods or strategies used by the Foundation are of great use to them to reduce their accounts receivable. | es_ES |
| dc.description.abstract | La Fundación Espoir de la ciudad de Babahoyo, es una organización privada sin fines de lucro, esta entidad tiene como misión impulsar el desarrollo económico de los microempresarios y de las microempresarias con el propósito de mejorar su estilo de vida a través del otorgamiento de servicios micro financieros y no financieros, además de contar con los distintos créditos que ofrece esta Fundación. Este caso de estudio se fundamenta en la incidencia que posee la Gestión de Recuperación de Cartera existentes en los distintos grupos de créditos que facilita Espoir los cuales no han sido cancelados en su totalidad en los plazos estipulados, o que habiéndose reorganizado o renovado continúan habiendo impagos por parte de los socios o integrantes de los grupos solidarios generando una cartera vencida, lo cual ha ocasionado un elevado porcentaje en las cuentas por cobrar de la Fundación Espoir. Esto se da debido a que en muchas ocasiones los socios utilizan los créditos que se les ha otorgados en cosas innecesarias o en otras situaciones para cubrir otras deudas pendientes que tenían los socios que han recibido el dinero, provocando de esta manera que el crédito que han recibido no se le dé el uso necesario para que este le genere más dinero o ganancia, es decir invertir su dinero o crédito en algo productivo que le cree más capital. El presente estudio de caso se encuentra regido bajo una sublinea de investigación la cual es la de Gestión Financiera, tributaria y compromiso social, por medio de esta sublinea se pudo abordar más a fondo sobre las falencias que influyen y que son de gran interés ser analizados en la Fundación Espoir, además de conocer si los métodos o estrategias que utiliza la Fundación les son de gran utilidad para reducir sus cuentas por cobrar. | es_ES |
| dc.format.extent | 23 p. | es_ES |
| dc.language.iso | es | es_ES |
| dc.publisher | BABAHOYO: UTB, 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 | Gestión | es_ES |
| dc.subject | Recuperación | es_ES |
| dc.subject | Cartera vencida | es_ES |
| dc.subject | Créditos | es_ES |
| dc.title | Gestión de recuperación de cartera en la Fundación Espoir de la Ciudad de Babahoyo | es_ES |
| dc.type | bachelorThesis | es_ES |
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