Bibliographic citations
Fernández, R., (2023). Gestión de la colocación y recuperación de créditos en Mibanco Banco de la Microempresa SA agencia Huamachuco periodo 2019-2020 [Universidad Nacional de Trujillo]. https://hdl.handle.net/20.500.14414/18331
Fernández, R., Gestión de la colocación y recuperación de créditos en Mibanco Banco de la Microempresa SA agencia Huamachuco periodo 2019-2020 []. PE: Universidad Nacional de Trujillo; 2023. https://hdl.handle.net/20.500.14414/18331
@misc{renati/881702,
title = "Gestión de la colocación y recuperación de créditos en Mibanco Banco de la Microempresa SA agencia Huamachuco periodo 2019-2020",
author = "Fernández Segura, Raúl Justo",
publisher = "Universidad Nacional de Trujillo",
year = "2023"
}
ABSTRACT He following labor sufficiency report aims to evaluate the quality of the portfolio in Mibanco Banco de la Microempresa SA for the 2019 and 2020 periods; the institutional delinquency reached 7.1% at the end of 2019, on the contrary, at the end of 2020, it presented a downward trend in its delinquency until reaching levels of 6.6%, to which is added the high portfolio write-offs that it carries out, added to the constant turnover of personnel and the deterioration in the gross financial margin at the date of our investigation. The fulfillment of the goals as a senior advisor reaches 102.62%, being a record for the Mibanco agency. Likewise, it is proposed to intensify the execution of credit recovery strategies, giving payment facilities to delinquent clients, this will allow to reduce the losses for granted credits. Portfolio refinancing can be a good option to reduce the delinquent portfolio and therefore the level of provisions. This conclusion is obtained given the small gap that exists between the delinquency and the potential portfolio (%).
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