Los procesos crediticios y su impacto en el deterioro de la cartera de créditos en la Caja del Santa S.A. 2021
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Date
2023
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Universidad Nacional de Trujillo
Abstract
Esta investigación ha sido desarrollada; a fin de determinar el impacto de los procesos crediticios en el deterioro de la cartera de créditos en la Caja Municipal de Ahorro y Crédito del Santa S.A. 2021, para lo cual utilizamos un tipo de investigación descriptiva, de diseño no experimental, de corte transversal, usamos la técnica de la entrevista y el instrumento de guía de entrevista.
La población y muestra que hemos estudiado comprende, los procesos crediticios de la Caja del Santa, los mismos que han contribuido significativamente en los resultados negativos de la empresa en los últimos 4 años, asimismo, se demostró que la normativa interna no se ha actualizado en los últimos 6 años y que la funcionalidad de los procesos crediticios ha sido evaluado por la Unidad de Riesgos y la Unidad de Auditoría, cuyos resultados presentan diversas observaciones sobre la calidad de las colocaciones.
Los resultados obtenidos fueron: Los procesos crediticios impactan en el deterioro de la cartera de créditos de la Caja Municipal del Santa S.A. al 2021, cuando no son ejecutados apropiadamente, cuyos indicadores de solvencia se encuentran cercano al límite regulatorio establecido por el Estado Peruano y la Superintendencia de Seguros y AFP. Al respecto, se requiere rápida intervención del Directorio y de la gerencia para implementar mejoras en los procesos crediticios de la Caja con la finalidad de mejorar la calidad de la cartera.
The purpose of this research was to evaluate "The Credit Processes and their impact on the deterioration of the credit portfolio of Caja Municipal de Ahorro y Credito del Santa SA" 2021, for which we used a type of descriptive research, with a non-experimental design, of cross-sectional, we used the interview technique and the interview guide instrument. The population and sample that we have studied includes, the credit processes of the Caja del Santa, the same ones that have contributed significantly to the negative results of the company in the last 4 years, likewise, it was shown that the internal regulations have not been updated in In the last 6 years, likewise, the functionality of the credit processes has been evaluated by the Risk Unit and the Audit Unit, the results of which present various observations on the quality of placements. The results obtained were: The credit processes have a significant impact on the deterioration of the credit portfolio of the Caja Municipal del Santa SA, when they are not executed properly, whose solvency indicators are close to the regulatory limit established by the Peruvian State and the Superintendence of Insurance and AFP. In this regard, rapid intervention of the Board of Directors and management is required to implement improvements in the Caja's credit processes in order to improve the quality of the portfolio.
The purpose of this research was to evaluate "The Credit Processes and their impact on the deterioration of the credit portfolio of Caja Municipal de Ahorro y Credito del Santa SA" 2021, for which we used a type of descriptive research, with a non-experimental design, of cross-sectional, we used the interview technique and the interview guide instrument. The population and sample that we have studied includes, the credit processes of the Caja del Santa, the same ones that have contributed significantly to the negative results of the company in the last 4 years, likewise, it was shown that the internal regulations have not been updated in In the last 6 years, likewise, the functionality of the credit processes has been evaluated by the Risk Unit and the Audit Unit, the results of which present various observations on the quality of placements. The results obtained were: The credit processes have a significant impact on the deterioration of the credit portfolio of the Caja Municipal del Santa SA, when they are not executed properly, whose solvency indicators are close to the regulatory limit established by the Peruvian State and the Superintendence of Insurance and AFP. In this regard, rapid intervention of the Board of Directors and management is required to implement improvements in the Caja's credit processes in order to improve the quality of the portfolio.
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Keywords
Cartera de préstamos, Procesos de crédito