Eficiencia en la Gestión de la cartera de microcréditos, en riesgo de morosidad, Mibanco Agencia Talara, mayo 2022- mayo 2023
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Date
2023
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Universidad Nacional de Trujillo
Abstract
El presente estudio detalla las estrategias implementadas con el propósito de optimizar el indicador de morosidad en Mibanco Agencia Talara durante mayo de 2022 a mayo 2023, con el objetivo de alcanzar eficiencia en la gestión de la cartera en riesgo de morosidad. En cuanto a la metodología, se realizó un análisis de los factores que contribuyeron a la morosidad en el tramo mencionado, como la falta de seguimiento a los clientes, la gestión ineficiente de cobranzas y la ausencia de medidas preventivas. Entre las acciones emprendidas destacan la optimización de procesos de seguimiento de clientes, la mejora de la comunicación con los deudores, la implementación de cobranzas efectivas, la reprogramación, la cuota balón y la promoción de programas de educación financiera para fomentar la cultura del pago oportuno. Los resultados fueron alentadores el indicador de mora disminuyó de 5.95% hasta llegar a 1.27%. Durante el periodo de estudio se observó una disminución significativa del indicador, los esfuerzos realizados se tradujeron en una mejora sostenida en los niveles de cumplimiento de pagos en el rango establecido. En conclusión, se describe las acciones implementadas en Mibanco agencia Talara para lograr eficiencia en la gestión de la cartera en riesgo de morosidad, basadas en un análisis de factores que inciden en la morosidad logrando resultados positivos al reducir la mora y promover una cultura de pago oportuno. Estos hallazgos pueden ser útiles para instituciones financieras y profesionales interesados en abordar temas similares en la gestión de la cartera en riesgo de morosidad.
ABSTRACT This study details the strategies implemented with the purpose of optimizing the delinquency indicator in Mibanco Agencia Talara during May 2022 to May 2023, with the objective of achieving efficiency in the management of the portfolio at risk of delinquency. Regarding the methodology, an analysis was carried out of the factors that contributed to the delinquency in the aforementioned section, such as the lack of follow-up with clients, inefficient collection management and the absence of preventive measures. Among the actions undertaken, the optimization of customer monitoring processes, the improvement of communication with debtors, the implementation of effective collections, rescheduling, balloon payment and the promotion of financial education programs to promote the culture of timely payment stand out. . The results were encouraging, the default indicator decreased from 5.95% to 1.27%. During the study period, a significant decrease in the indicator was observed; the efforts made translated into a sustained improvement in payment compliance levels within the established range. In conclusion, the actions implemented at Mibanco agency Talara to achieve efficiency in the management of the portfolio at risk of delinquency are described, based on an analysis of factors that affect delinquency, achieving positive results by reducing arrears and promoting a culture of payment. prompt. These findings may be useful to financial institutions and professionals interested in addressing similar issues in portfolio management at risk of default.
ABSTRACT This study details the strategies implemented with the purpose of optimizing the delinquency indicator in Mibanco Agencia Talara during May 2022 to May 2023, with the objective of achieving efficiency in the management of the portfolio at risk of delinquency. Regarding the methodology, an analysis was carried out of the factors that contributed to the delinquency in the aforementioned section, such as the lack of follow-up with clients, inefficient collection management and the absence of preventive measures. Among the actions undertaken, the optimization of customer monitoring processes, the improvement of communication with debtors, the implementation of effective collections, rescheduling, balloon payment and the promotion of financial education programs to promote the culture of timely payment stand out. . The results were encouraging, the default indicator decreased from 5.95% to 1.27%. During the study period, a significant decrease in the indicator was observed; the efforts made translated into a sustained improvement in payment compliance levels within the established range. In conclusion, the actions implemented at Mibanco agency Talara to achieve efficiency in the management of the portfolio at risk of delinquency are described, based on an analysis of factors that affect delinquency, achieving positive results by reducing arrears and promoting a culture of payment. prompt. These findings may be useful to financial institutions and professionals interested in addressing similar issues in portfolio management at risk of default.
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Keywords
Microcréditos, Gestión de cartera, Morosidad