Gestión de la cartera crediticia en financiera Mibanco, agencia Trujillo, periodo 2013-2015
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Date
2021
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Universidad Nacional de Trujillo
Abstract
El siguiente informe de suficiencia profesional tiene como objetivo identificar la calidad de cartera en Mibanco agencia Trujillo, periodo 2013 – 2015; se realizó un análisis descriptivo. Entre los principales resultados tenemos que los problemas que se detectaron en el desarrollo de mis funciones en Mibanco, es que no se alcanzaban las metas estratégicas en la calidad de activos, pues no se ha podido controlar el deterioro de su cartera de créditos, la razón principal es el segmento informal y la deficiencia en la evaluación crediticia. La calidad de cartera de créditos de Mibanco sede Trujillo en el año 2015 fue de 20.18%, en el año 2014 fue de 20.23% y en el año 2013 fue del 20.06%. El índice de morosidad en el año 2015 fue de 6.74%, en el año 2014 fue de 6.82% y en el año 2013 fue de 6.63%.
ABSTRACT: The following professional sufficiency report aims to identify the portfolio quality in Mibanco agency Trujillo, period 2013 - 2015; A descriptive analysis was made. Among the main results we have that the problems that were detected in the development of my functions in Mibanco, is that the strategic goals in asset quality were not achieved, since it has not been possible to control the deterioration of its loan portfolio, the reason The main one is the informal segment and the deficiency in the credit evaluation. The credit portfolio quality of Mibanco headquarters Trujillo in 2015 was 20.18%, in 2014 it was 20.23% and in 2013 it was 20.06%. The default rate in 2015 was 6.74%, in 2014 it was 6.82% and in 2013 it was 6.63%.
ABSTRACT: The following professional sufficiency report aims to identify the portfolio quality in Mibanco agency Trujillo, period 2013 - 2015; A descriptive analysis was made. Among the main results we have that the problems that were detected in the development of my functions in Mibanco, is that the strategic goals in asset quality were not achieved, since it has not been possible to control the deterioration of its loan portfolio, the reason The main one is the informal segment and the deficiency in the credit evaluation. The credit portfolio quality of Mibanco headquarters Trujillo in 2015 was 20.18%, in 2014 it was 20.23% and in 2013 it was 20.06%. The default rate in 2015 was 6.74%, in 2014 it was 6.82% and in 2013 it was 6.63%.
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Keywords
Morosidad, Cartera de créditos, Riesgo, Cartera pesada