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para credit » para credito (Expander búsqueda), para creditos (Expander búsqueda), para acreditar (Expander búsqueda)
1
tesis doctoral
Publicado 1996
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El propósito de esta investigación es explicar cómo las imperfecciones crediticias afectan el crecimiento económico. La tesis contiene dos partes de equilibrio general dinámico para explicar las relaciones entre crecimiento, distribución de la riqueza, cambio estructural y aumento del crédito. En el segundo trabajo se explica la alta volatilidad de las tasas de crecimiento en países de ingreso medio debido a que se presentan equilibrios múltiples.
2
tesis de grado
Publicado 2024
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In a society in constant growth, banking institutions have been forced to satisfy more and more the needs of their clients. Among the most requested services are the bank loans, particularly those intended for medium and large-sized companies. This study deals with the development of a proposal to improve the evaluation stage of the business banking credit process, this stage has a duration of 12 days, generating cost overruns and multiple sources of waste. The implementation of Lean thinking, Business process management and the use of simulation will be used to achieve the objectives. The results obtained were as expected, demonstrating that by implementing different improvements in certain critical activities, an improvement of 16.12% can be achieved, thus reducing the duration of the stage by 2 days.
3
artículo
Publicado 2020
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Objective: To determine how the credit management auditing has an impact on the profitability of the Prisma Microfinance Savings and Credit Cooperatives (COOPAC MFP). Method: The type of research is non-experimental, descriptive and explanatory. Primary source information was collected; it was obtained through surveys, interviews with credit and collection advisors and documentary and financial information about COOPAC MFP. Surveys, interviews with credit and collection advisors and documentary and financial information about COOPAC MFP were prepared. Results: It is evident that there is no good credit management in the recruitment of credit and collection personnel or in the evaluation processes for the granting of credit, nor supervision and monitoring of the risks and the overdue portfolio. Conclusions: There are no good practices of credit management auditing by credit and collection...
4
artículo
Publicado 2020
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Objective: To determine how the credit management auditing has an impact on the profitability of the Prisma Microfinance Savings and Credit Cooperatives (COOPAC MFP). Method: The type of research is non-experimental, descriptive and explanatory. Primary source information was collected; it was obtained through surveys, interviews with credit and collection advisors and documentary and financial information about COOPAC MFP. Surveys, interviews with credit and collection advisors and documentary and financial information about COOPAC MFP were prepared. Results: It is evident that there is no good credit management in the recruitment of credit and collection personnel or in the evaluation processes for the granting of credit, nor supervision and monitoring of the risks and the overdue portfolio. Conclusions: There are no good practices of credit management auditing by credit and collection...
5
artículo
Publicado 2022
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The microfinance industry in Peru is constantly seeking to identify the factors that allow it to have better management and control its level of delinquency, since in recent years there has been a significant increase in provisions, reflected in the decrease in the economic results of an important group of microfinance institutions. The objective of this research work is to analyze whether the management decisions in reference to the size of the average portfolio per debtor and the total number of debtors per employee were determining factors that impacted the credit risk of the municipal savings and credit banks in Peru between the years 2016-2019. This research has a quantitative approach, for whose purpose the historical data information has been processed using a statistical tool (CRISP-DM), as well as data mining techniques and the use of logistics regressions. In addition, t...
6
artículo
Publicado 2022
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The objective of this research is to determine whether the psychometric credit rating in the process of granting credit to microentrepreneurs influences the profitability of a bank specialized in microfinance. This is an applied, explanatory and correlational research, with a non-experimental design and quantitative approach. The sample consisted of the number of psychometric credit rating operations performed to microentrepreneurs as part of the "Entrepreneur Credit" service in the Villa María, Huaycán, Cajamarca, Cusco, San Hilarion and Santa Anita branches of the bank. The final results established that efficiency has a direct influence on the gross and net financial margin, which is corroborated by the coefficients 354.845 and 372.524, respectively. Likewise, these turn out to be statistically significant (with a p-value = 0.000 in both cases). On the other hand, the results are di...
7
artículo
Publicado 2023
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The objective of this investigation has been to determine how the use of the digital age favorably impacts the placement of personal loans in the municipal savings and credit banks of the country, period 2021 -2022, the type of investigation has been used is applied, for which we have worked with 96 workers from the 11 Municipal Savings and Credit Banks of Peru that make up the financial system, where it has been possible to determine that the digital age is an important component in the development of any type of financial entity such as This is the case of the Municipal Savings Banks because it has been possible to show through our results that 70% use social networks to become aware of the granting of networks, while 20% use the mobile application, it is recommended that financial entities take into account the digital era, for which work must be done on digital marketing, mobile appl...
8
artículo
Publicado 2015
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The sources of short-term financing of companies, such as trade credit and bank credit relationships, linkages or complementarities are part of the analysis in this study. Several studies and authors have emphasized in some of these funding sources and the reasons why companies turn to these sources. This study aims to demonstrate that all these hypotheses can be consolidated on an approach whereby trade credit and short term financial credit are united in the same process for the maintenance of the financial needs of companies in the process of movement of goods.
9
artículo
The order for payment process and the need for its incorporation into the Peruvian procedural system
Publicado 2025
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The cognition or declaratory process is currently the only mechanism that allows a creditor to claim recognition of its right, but it has significant disadvantages, such as its lengthy duration of 5 to 10 years and the high costs associated with it, even for small debts. To solve this problem, the order for payment process has been implemented in several jurisdictions, which offers a more agile procedure in which a judge can quickly recognize the creditor's right and issue an enforceable order. This process can be pure, without the need for documentary evidence, or documentary, which requires some evidence to support the claimed obligation. In case of opposition by the debtor, this must be substantiated, which may result in a declaratory proceeding to clarify the existence of the claim. The Commission for the Reform of the Code of Civil Procedure proposes two types of order for payment p...
10
artículo
The order for payment process and the need for its incorporation into the Peruvian procedural system
Publicado 2025
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The cognition or declaratory process is currently the only mechanism that allows a creditor to claim recognition of its right, but it has significant disadvantages, such as its lengthy duration of 5 to 10 years and the high costs associated with it, even for small debts. To solve this problem, the order for payment process has been implemented in several jurisdictions, which offers a more agile procedure in which a judge can quickly recognize the creditor's right and issue an enforceable order. This process can be pure, without the need for documentary evidence, or documentary, which requires some evidence to support the claimed obligation. In case of opposition by the debtor, this must be substantiated, which may result in a declaratory proceeding to clarify the existence of the claim. The Commission for the Reform of the Code of Civil Procedure proposes two types of order for payment p...
11
tesis de grado
Publicado 2022
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El modelo credit scoring es el método de algoritmos más relevante en el sector bancario para medir el nivel de riesgo que existe al momento de la evaluación crediticia. Permite decidir entre la alternativa de aceptar o rechazar un crédito; además, contribuye a que la evaluación de las diversas personas, empresas o PYMES sea efectiva para que puedan tener acceso al financiamiento. La aplicación eficiente del credit scoring optimiza los resultados de las instituciones financieras, lo que genera mayor rentabilidad. En diferentes contextos, la información registrada para validar el historial crediticio resulta insuficiente. En el sistema financiero, esto es un inconveniente importante al momento de evaluar la solvencia de los futuros prestatarios y, por consiguiente, decidir las tasas de interés respectivas en microfinanzas. Esta investigación presenta la controversia de diversos a...
12
artículo
El sistema financiero constituye un pilar fundamental en la economía de un país, donde las cooperativas y los bancos son los actores que sobresalen en cuanto a cobertura y servicios. El objetivo es establecer las particularidades en el funcionamiento de los sectores cooperativo y bancario en el Ecuador. La metodología empleada en el desarrollo de este trabajo es cualitativa, su alcance es descriptivo-transversal y de carácter documental, para lo cual, se utilizaron fuentes secundarias, mediante una revisión bibliográfica a profundidad de una serie de estadísticas con corte transversal al 2020, emitidas por la Asociación de Bancos Privados del Ecuador y la Superintendencia de Economía Popular y Solidaria y Superintendencia de Bancos. Los resultados presentan las particularidades en el funcionamiento de los sectores cooperativo y bancario en el Ecuador, analizando su marco regulat...
13
artículo
The financial system constitutes a fundamental pillar in the economy of a country, where cooperatives and banks are the actors that stand out in terms of coverage and services. The objective is to establish the particularities in the operation of the cooperative and banking sectors in Ecuador. The methodology used in the development of this work is qualitative, its scope is descriptive-transversal and of a documentary nature, for which, secondary sources were used, through an in-depth bibliographic review of a series of statistics with a cross-section to 2020, issued by the Association of Private Banks of Ecuador and the Superintendency of Popular and Solidarity Economy and Superintendency of Banks. The results present the particularities in the operation of the cooperative and banking sectors in Ecuador, analyzing their regulatory framework, constitution, founding principles, philosophy...
14
Publicado 2018
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El informe monográfico denominado: “Análisis de los ratios financieros y su incidencia en el otorgamiento de créditos para las micro y pequeñas empresa en la Caja Arequipa” muestra la importancia de analizar los ratios financieros, conocer el proceso crediticio y analizar los criterios principales al momento de otorgar un crédito. En el primer capítulo se hace mención a los antecedentes conceptuales de los ratios financieros, la definición que presenta, las diversas clasificaciones de ratios considerando en el informe los de mayor utilización y análisis en Caja Arequipa, así como también las fórmulas que representan cada una de estas con su respectivo análisis. En el segundo capítulo esta contenido por todo proceso crediticio que se realiza en Caja Arequipa, empezamos con los conceptos respectivos del proceso, las fases que realiza un asesor de créditos desde la promo...
15
artículo
Publicado 2010
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The growth of microcredit worldwide along with international rules on capital requirements (Basel II) are increasing the competition between microfinance institutions (MFIs) and banks for this business segment. The bank system traditionally has relied on adequate credit scoring models to analyze the risk of payment failures, but this has not been the case in supervised MFIs. The objective of this research is to design a credit scoring model for any institution subjected to supervision and specialized in microcredit as the Development Agency for Small and Micro Enterprise (Entidad de Desarrollo de la Pequeña y Micro Empresa - Edpyme) of the financial system in Peru. The results of this research includes a methodology and the steps needed to design the model, and the assessment and validation process that can be applied in the business area, in particular, to establish an interest rate po...
16
artículo
Publicado 2010
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The growth of microcredit worldwide along with international rules on capital requirements (Basel II) are increasing the competition between microfinance institutions (MFIs) and banks for this business segment. The bank system traditionally has relied on adequate credit scoring models to analyze the risk of payment failures, but this has not been the case in supervised MFIs. The objective of this research is to design a credit scoring model for any institution subjected to supervision and specialized in microcredit as the Development Agency for Small and Micro Enterprise (Entidad de Desarrollo de la Pequeña y Micro Empresa - Edpyme) of the financial system in Peru. The results of this research includes a methodology and the steps needed to design the model, and the assessment and validation process that can be applied in the business area, in particular, to establish an interest rate po...
17
artículo
Publicado 2022
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Financial inclusion is both a process and a challenge, especially in countries like Peru, where many people are not part of the financial system. The author provides a business idea and a regulation proposal that could help in one of the aspects that affects the unbanked population, not having a credit record.The absence of a credit rating means that many people are rejected by the formal financial system, thus creating a vicious circle that leads to the development of a parallel informal financial system. The article proposes a novel way to help people build a credit history and thus be able to access more financial products at lower costs.
18
artículo
Publicado 2015
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Las fuentes de financiamiento de corto plazo de las empresas, como son el crédito comercial y el crédito bancario, sus relaciones, vinculaciones o complementariedades, forman parte del análisis del presente estudio. Diversos trabajos y autores han puesto énfasis en alguna de estas fuentes de financiamiento y las razones por las cuales las empresas recurren a estas fuentes. Este trabajo busca demostrar que todas estas hipótesis pueden consolidarse en un planteamiento mediante el cual el crédito comercial y el crédito financiero de corto plazo se encuentran unidos en un mismo proceso para el mantenimiento de las necesidades financieras de las empresas en el proceso de circulación de mercancías.
19
tesis de grado
Publicado 2016
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La presente investigación está orientada a evaluar la importancia del control interno en el departamento de crédito y cobranzas de la Empresa Industrial CCT S.R.L, durante el año 2013, basada en el estudio y análisis de los procesos de cesión de créditos, sistema de cobranzas y la comunicación entre departamentos que se realiza en la empresa, lo que permitirá obtener resultados sólidos para la toma de decisiones y el cumplimiento de los objetivos trazados de la empresa. De acuerdo al tipo de investigación, el presente trabajo está enmarcada en un estudio de campo donde la información recopilada fue tomada de fuentes primarias, utilizando como técnica la entrevista y, a su vez, un cuestionario, y en lo que se refiere a la metodología se aplica la técnica descriptiva, lo que ha permitido conocer el punto de vista del gerente y del jefe del departamento de crédito y cobranz...
20
tesis de grado
Publicado 2016
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La presente investigación está orientada a evaluar la importancia del control interno en el departamento de crédito y cobranzas de la Empresa Industrial CCT S.R.L, durante el año 2013, basada en el estudio y análisis de los procesos de cesión de créditos, sistema de cobranzas y la comunicación entre departamentos que se realiza en la empresa, lo que permitirá obtener resultados sólidos para la toma de decisiones y el cumplimiento de los objetivos trazados de la empresa. De acuerdo al tipo de investigación, el presente trabajo está enmarcada en un estudio de campo donde la información recopilada fue tomada de fuentes primarias, utilizando como técnica la entrevista y, a su vez, un cuestionario, y en lo que se refiere a la metodología se aplica la técnica descriptiva, lo que ha permitido conocer el punto de vista del gerente y del jefe del departamento de crédito y cobranz...
