Acciones de solución para afrontar el impacto del covid-19 en la Caja Municipal de Ahorro y Crédito de Arequipa
No Thumbnail Available
Date
2023
Journal Title
Journal ISSN
Volume Title
Publisher
Universidad Nacional de Trujillo
Abstract
El actual trabajo de suficiencia profesional tuvo como propósito que se expongan acciones surgidas a partir de la crisis sanitaria y las consecuentes medidas extraordinarias, de modo que se mantenga una buena gestión dentro de la Caja, a pesar de la crisis. Para el desarrollo se ha considerado el análisis de información financiera de los años 2020 y 2021, al ser periodos donde la crisis sanitaria hizo notar su impacto; además de medidas propias que buscan mantener una buena gestión de riesgos de crédito, buen manejo de las provisiones y una mejor ejecución de todo el proceso crediticio mediante el estudio de la cartera de crédito, las categorías de riesgo y las fases del proceso crediticio a partir de la pandemia. El desarrollo de este trabajo es producto de mi desempeño como analista de créditos en la Caja Arequipa. El diseño de las propuestas de solución parte de mi conocimiento y experiencia desempeñando dicha labor; cuyo propósito es que la Caja mantenga su posición de líder en el sistema de cajas y siga volviéndose más sólida.
ABSTRACT The current professional sufficiency work had the purpose of exposing action sarising from the health crisis and the consequent extraordinary measures, so that Good management is maintained within the Fund, despite the crisis. For the development, the analysis of financial information for the years 2020 and 2021 has been considered, as they are periods where the health crisis made its impact noticeable; In addition to its own measures that seek to maintain good credit risk management, good provision management and better execution of the entire credit process through the study of the credit portfolio, the risk categories and the phases of the credit process from of the pandemic. The development of this work is the product of my performance as a credit analyst at Caja Arequipa. The design of the solution proposals is based on my knowledge and experience performing said work; the purpose of which is for the Savings Bank to maintain its position as leader in the Savings Bank system and continue to become more solid.
ABSTRACT The current professional sufficiency work had the purpose of exposing action sarising from the health crisis and the consequent extraordinary measures, so that Good management is maintained within the Fund, despite the crisis. For the development, the analysis of financial information for the years 2020 and 2021 has been considered, as they are periods where the health crisis made its impact noticeable; In addition to its own measures that seek to maintain good credit risk management, good provision management and better execution of the entire credit process through the study of the credit portfolio, the risk categories and the phases of the credit process from of the pandemic. The development of this work is the product of my performance as a credit analyst at Caja Arequipa. The design of the solution proposals is based on my knowledge and experience performing said work; the purpose of which is for the Savings Bank to maintain its position as leader in the Savings Bank system and continue to become more solid.
Description
Keywords
Cartera de crédito, Gestión del riesgo crediticio, Créditos