Bibliographic citations
Benavides, A., Chávez, I., Ramos, C., Yauri, M. (2013). Planeamiento estratégico del sector microfinanciero de cajas municipales en Arequipa [Pontificia Universidad Católica del Perú]. http://hdl.handle.net/20.500.12404/4609
Benavides, A., Chávez, I., Ramos, C., Yauri, M. Planeamiento estratégico del sector microfinanciero de cajas municipales en Arequipa []. PE: Pontificia Universidad Católica del Perú; 2013. http://hdl.handle.net/20.500.12404/4609
@mastersthesis{sunedu/2663900,
title = "Planeamiento estratégico del sector microfinanciero de cajas municipales en Arequipa",
author = "Yauri Corohua, Maria Soledad",
publisher = "Pontificia Universidad Católica del Perú",
year = "2013"
}
This document proposes a strategic plan for the development of Cajas Municipales de Ahorro y Crédito (CMAC), within a 10 year horizon and focused on Arequipa’s region. In the last decade, access to credit has eased thanks to the current regulatory framework and the help of the national financial system. CMAC appeared as the first choice to financial support micro-entrepreneurs and still continue with its mission of financial intermediation in a very competitive way. This strategic planning has been initiated with the establishment of the vision, mission, values and ethics code at the level of the CMAC. After finished analysis of the microfinance environment of the country and of the region of Arequipa, we found eight opportunities and five threats influencing the CMAC, seven key success factors were obtained from the analysis of the sector of microfinance and the competition, of the internal analysis of the CMAC were obtained five strengths and seven weaknesses. The development of these three analyses has allowed us to know and understand the mechanisms of the microfinance environment and develop four strategies: (a) development of market, (b) market penetration, (c) reduction of operating expenses, and (d) improve the quality of portfolio; strategies will help fulfill the vision of the CMAC, through four long-term objectives at our discretion: (a) reduction in operating expenses, (b) reduction of the debt, (c) ROA increase, and (d) increase the market share on direct loans; so also with the establishment of short-term goals, all this allows the review, evaluation and control of the results. Business environment is favorable for the CMAC operating in the city of Arequipa, however, it is necessary to study the option to include the participation of private shareholders and seek alliances that allow to improve its comprehensive management, which is proposed in this strategic plan.
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