Análisis del Nivel de Endeudamiento de los Clientes de Tarjetas de Crédito Emitidas por el Banco de Loja en la Ciudad de Loja en el Periodo 2014-2015

This research paper entitled "Analysis of the level of debt cardholder Bank of Loja in the city of Loja during the period 2014-2015". It was carried out with the purpose to inform the cardholders of the institution as avoiding debt and about the effects that can cause misuse of credit card and based on these results take the necessary corrective measures to improve their actuate. Through the use of these methods and techniques it was known that cardholders the Bank of Loja in 2014 incurred expenses totaling $ 23'400.000,00 and in 2015 a total of $ 23'200.100,00 both national and international, expenses likewise achieved verify that a total of 83% of cardholders surveyed have had problems of late payment which is due to tardy payments in wages, loss of jobs and lack of jobs and borrowing cardholders in has caused problems both in the family and at work and economic family income. Additionally an internal diagnosis was made and for that interview was made the head of the department of cards the Bank of Loja and a survey was applied to cardholders of the institution, based on a questionnaire to learn important aspects of the Bank and cardholders , which important information was obtained as lack of training for bank customers using the credit card they had no knowledge between the payment date and cutting likewise did not know from when I was running late payment interest. training partners especially cardholders and it is concluded that credit cards are helpful and meet the needs of cardholders in emergency cases, and likewise: with the results proposed, including those mentioned were established it is recommended that you should take into account the dangers that can cause misuse of credit cards, therefore it is advisable to perform a monthly planning to make expenditures.

• 第一著者: Criollo Castillo, Lady Soledad (author)
• フォーマット: bachelorThesis
• 言語: spa
• 出版事項: 2016
• 主題: BANCA Y FINANZAS; TARJETAS DE CRÉDITO; BANCO DE LOJA; NIVEL DE ENDEUDAMIENTO
• オンライン･アクセス: http://dspace.unl.edu.ec/jspui/handle/123456789/17172