Bibliographic citations
Villaverde, D., (2019). Diagnóstico y propuesta de mejora para el rediseño del proceso de otorgamiento de créditos pymes en una entidad financiera del Perú [Tesis, Pontificia Universidad Católica del Perú]. http://hdl.handle.net/20.500.12404/13332
Villaverde, D., Diagnóstico y propuesta de mejora para el rediseño del proceso de otorgamiento de créditos pymes en una entidad financiera del Perú [Tesis]. PE: Pontificia Universidad Católica del Perú; 2019. http://hdl.handle.net/20.500.12404/13332
@mastersthesis{renati/537990,
title = "Diagnóstico y propuesta de mejora para el rediseño del proceso de otorgamiento de créditos pymes en una entidad financiera del Perú",
author = "Villaverde Casildo, Deisy Cristina",
publisher = "Pontificia Universidad Católica del Perú",
year = "2019"
}
The purpose of the research is to develop a proposal to redesign the process of granting loans from a Peruvian financial institution. The general objective of the research is to redesign the process of granting PYMES credits that favor higher levels of efficiency and profitability of the financial institution. The three most relevant problems presented by the financial institution are: too much time and cost in the attention of the credit approval; high number of credits observed in the credit committee; high operating cost of passing credit proposals outside the established hours. He proposal for the redesign of the loan approval process has been obtained by applying the Value Added Analysis (AVA) methodology and the Eliminate, Simplify, Integrate and Automate (ESIA) methodology. It is concluded that the proposed redesign of the credit approval process in the Financial Entity contributes to the reduction of the time in the redesign of the process itself, in the automation of the platform and in the mobile application; also, the increase in productivity is achieved due to the greater number of placements. The net gain is S /. 2,301,628 and a profitability rate of 68%. Therefore, the process redesign project in the financial institution is technically and economically viable and feasible
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