Publication: Beneficios entre el crédito grupal e individual de Compartamos Financiera en la ciudad de Trujillo año 2022
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Date
2023
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Publisher
Universidad Nacional de Trujillo
Abstract
El informe tuvo como objetivo general determinar los beneficios entre el crédito grupal e individual de Compartamos Financiera en la ciudad de Trujillo año 2022. El principal problema identificado en el análisis de las funciones desempeñadas está orientado al análisis técnico de la evaluación de potenciales clientes sobre los criterios establecidos por Compartamos Financiera S.A. sobre sus productos financieros, porque una mala evaluación se vería reflejado en un crédito atrasado generando pérdidas sobre la empresa. Los principales resultados son: El índice de morosidad de los créditos individuales en el año 2022 fue de 3.35%, así mismo de los créditos individuales otorgados a los clientes el 66% se va al activo fijo, el 27% al capital de trabajo. Así mismo el 53% de los créditos individual son para pequeña empresa y el 34% para microempresa. Una de las ventajas del crédito individual es que aquí depende de cada uno para el cumplimiento del pago y también para realizarse un mejor historial en el sistema financiero. al tener un crédito individual el cliente poco a poco puede aumentar este mundo en las próximas evaluaciones de acuerdo a la capacidad del negocio este monto puede ser desde S/.1000 a S/.150,000. Las colocaciones a agosto 2023 en crédito individual tuvieron un incremento considerable esto debido a las mejores en comité de riesgos y el ingreso de 2 equipos de trabajo a la ciudad de Trujillo. Así mismo, el promedio de la morosidad a agosto 2023 fue del 3.16% y en el mismo periodo a agosto 2022 fue de 3.35% generando una disminución del 0.19% con respecto al mismo periodo en el 2022 esto genera una mayor rentabilidad de la empresa.
ABSTRACT The general objective of the report was to determine the benefits between group and individual credit of Compartamos Financiera in the city of Trujillo in 2022. The main problem identified in the analysis of the functions performed is oriented to the technical analysis of the evaluation of potential clients on the criteria established by Compartamos Financiera S.A. about their financial products, because a bad evaluation would be reflected in a late credit, generating losses for the company. The main results are: The delinquency rate of individual loans in 2022 was 3.35%, likewise, of the individual loans granted to clients, 66% goes to fixed assets, 27% to working capital. Likewise, 53% of individual loans are for small businesses and 34% for microbusinesses. One of the advantages of individual credit is that it depends on each person to comply with the payment and also to have a better history in the financial system. By having an individual credit, the client can little by little increase this world in the next evaluations according to the capacity of the business, this amount can be from S/.1000 to S/.150,000. Placements as of August 2023 in individual credit had a considerable increase, due to the improvements in the risk committee and the entry of 2 work teams to the city of Trujillo. Likewise, the average delinquency rate as of August 2023 was 3.16% and in the same period as of August 2022 it was 3.35%, generating a decrease of 0.19% compared to the same period in 2022, this generates greater profitability for the company.
ABSTRACT The general objective of the report was to determine the benefits between group and individual credit of Compartamos Financiera in the city of Trujillo in 2022. The main problem identified in the analysis of the functions performed is oriented to the technical analysis of the evaluation of potential clients on the criteria established by Compartamos Financiera S.A. about their financial products, because a bad evaluation would be reflected in a late credit, generating losses for the company. The main results are: The delinquency rate of individual loans in 2022 was 3.35%, likewise, of the individual loans granted to clients, 66% goes to fixed assets, 27% to working capital. Likewise, 53% of individual loans are for small businesses and 34% for microbusinesses. One of the advantages of individual credit is that it depends on each person to comply with the payment and also to have a better history in the financial system. By having an individual credit, the client can little by little increase this world in the next evaluations according to the capacity of the business, this amount can be from S/.1000 to S/.150,000. Placements as of August 2023 in individual credit had a considerable increase, due to the improvements in the risk committee and the entry of 2 work teams to the city of Trujillo. Likewise, the average delinquency rate as of August 2023 was 3.16% and in the same period as of August 2022 it was 3.35%, generating a decrease of 0.19% compared to the same period in 2022, this generates greater profitability for the company.
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Keywords
Créditos, Cartera crediticia, Financieras