Créditos y cobranzas del Banco Pichincha - Agencia Babahoyo

This research provides a clear picture of the situation concerning the management of the credit and collection portfolio of Bank Pichincha - Babahoyo. This study analyzes the evolution of the loan portfolio and the collection procedures carried out by the bank in times of health emergency. The case study was carried out by implementing the parameters of the descriptive research methodology and with the deductive method, since a description of the events related to the management of the past due portfolio and a quantitative analysis of the evolution of the client portfolio is used. to generate general conclusions. Through the implementation of different information collection tools and the subsequent analysis of the data obtained, the following results were obtained: The recovery of the portfolio decreased by 70% due to the state of emergency due to the fact that clients were unable to pay their debts, since they could not work and many had their businesses closed. Of approximately 67,000 that the agency had for the year 2019, currently it only has 65,000, this decrease is mainly due to external problems that affect the institution such as the current economic crisis that the country is going through, which is why many clients disengage from banking operations. On the other hand, the surveyed clients who maintain loans with the institution, only 62.1% stated that they had accessed the process of restructuring their debts with the banking agency, complying with the prerequisites that were requested by the entity.

• 1. autor: Chichande Campoverde, Vanessa de las Mercedes (author)
• Format: bachelorThesis
• Wydane: 2020
• Hasła przedmiotowe: Cartera de crédito; Gestión de cobranzas; Recuperación de cartera; Operaciones bancarias
• Dostęp online: http://dspace.utb.edu.ec/handle/49000/8314