Citas bibligráficas
Alcalde, L., Gallegos, L., Sánchez, C. (2019). Planeamiento estratégico para la Caja Municipal de Ahorro y Crédito de Trujillo 2019-2024 [Pontificia Universidad Católica del Perú]. http://hdl.handle.net/20.500.12404/15157
Alcalde, L., Gallegos, L., Sánchez, C. Planeamiento estratégico para la Caja Municipal de Ahorro y Crédito de Trujillo 2019-2024 []. PE: Pontificia Universidad Católica del Perú; 2019. http://hdl.handle.net/20.500.12404/15157
@mastersthesis{sunedu/2654173,
title = "Planeamiento estratégico para la Caja Municipal de Ahorro y Crédito de Trujillo 2019-2024",
author = "Sánchez Sánchez, Cesil",
publisher = "Pontificia Universidad Católica del Perú",
year = "2019"
}
This document constitutes a strategic planning for the Trujillo Municipal Savings and Credit Fund, dedicated to the local government financial institutions’ segment, but since 2016 it has lost market share despite the fact that it has increased the placements and fundraising of the public. By the end of 2018, Caja Trujillo occupied the sixth position in the CMAC industry, both in credits and obligations, and it is proposed to be among the three main institutions by 2024. To achieve this, an annual increase of 18.5% in loans and 15% in deposits should be achieved, which will be possible through the implementation of the following strategies: (a) penetrate rural areas with authorized agents, (b) develop programs for financial education in schools, to encourage savings and appropriate credit management in children and youth; (c) implement training workshops for the use of Home Banking and the application, dictated in the offices distributed nationwide; (d) develop alerts service on payments of loan installments from before maturity; and (e) develop the market of Piura, Ica and Lima with a multi-channel strategy that includes offices. These strategies arose when confronting the strengths, opportunities, weaknesses and threats, being also analyzed with different tools such as the PEYEA Matrix and the BCG Matrix among others. The joint implementation of retained strategies will also reduce the delinquency rate and increase the return on equity (ROE), for which it will be essential to make efficient use of all resources. Understanding that Caja Trujillo is an active social entity proposes CSR practices focused on disseminating financial education to children and young people, as well as to clients. The immediate implementation of this strategic plan is recommended, which corresponds to the Chairman of the Board, to whom the document will be delivered.
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