Collection management to reduce the uncorrect credit portfolio granted by the National Development Bank, Ecuador

Authors

  • Frank A. Lemoine-Quintero Escuela Superior Politécnica Agropecuaria de Manabí “Manuel Félix López”
  • Daniela Alexandra Vélez-Vélez Escuela Superior Politécnica Agropecuaria de Manabí “Manuel Félix López”
  • Wágner José Varela-Ramírez Escuela Superior Politécnica Agropecuaria de Manabí “Manuel Félix López”
  • Javier Zambrano-Mero Escuela Superior Politécnica Agropecuaria de Manabí “Manuel Félix López”
  • Graciela Castellanos-Pallerols Universidad de Oriente

Keywords:

management model, collection credit, diagnosis, strategies, services.

Abstract

The objective of the research was to develop a collection management model for the reduction of the uncollectible portfolio generated by the microcredits of the National Development Bank (BNF) in the Bolívar canton of Ecuador. A diagnosis was made based on the bank's internal and external analysis to define the strengths and weaknesses. The engineering matrix of the services allows to locate the credits the client quadrants unsatisfied and little satisfied. A budget history was evaluated to grant the credits in order to analyze the main causes of the services that are granted to define the objective and subjective problems. The results obtained allowed to define growth strategies, defense strategies and competitive strategies.

References

Banco Nacional de Fomento, Ecuador. (2010). Historia. Datos generales. Recuperado de: http://www.bnf.fin.ec/index.php?option=com_content&view=article&id=81& Itemid=409

Constitución de la República de Ecuador (2008). Decreto Legislativo vigente, registro oficial 449. Recuperado de www.oas.org/juridico/pdfs/mesicic4_ecu_const.PDF

Vera, M. (2012). Metodología para el análisis de la gestión financiera en pequeñas y medianas empresas (Pymes). Centro de Investigaciones para el Desarrollo, 10, pp. 1-53.

Yagüé, W. (2010). Determinantes de la morosidad de la cartera en el sistema Financiero colombiano. (Tesis inédita de maestría). Universidad ICESI (Institución educativa privada en Cali), Santiago de Cali, Colombia.

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Published

2018-01-16

Issue

Vol. 9 (2018)

Section

Artículos

License

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