Citas bibligráficas
Acedo, M., (2023). Eficiencia en la Gestión de la cartera de microcréditos, en riesgo de morosidad, Mibanco Agencia Talara, mayo 2022- mayo 2023 [Universidad Nacional de Trujillo]. https://hdl.handle.net/20.500.14414/19845
Acedo, M., Eficiencia en la Gestión de la cartera de microcréditos, en riesgo de morosidad, Mibanco Agencia Talara, mayo 2022- mayo 2023 []. PE: Universidad Nacional de Trujillo; 2023. https://hdl.handle.net/20.500.14414/19845
@misc{renati/1047164,
title = "Eficiencia en la Gestión de la cartera de microcréditos, en riesgo de morosidad, Mibanco Agencia Talara, mayo 2022- mayo 2023",
author = "Acedo Sosa, Mirtha Cecilia",
publisher = "Universidad Nacional de Trujillo",
year = "2023"
}
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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