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Análisis de la cartera de crédito 2017 – 2018 de la empresa METROCAR S.A. sucursal Babahoyo
dc.contributor.advisor | Laje Montoya, José Stalin | |
dc.contributor.author | Jaramillo Lozano, Karla Ivonne | |
dc.date.accessioned | 2020-05-05T06:23:02Z | |
dc.date.available | 2020-05-05T06:23:02Z | |
dc.date.issued | 2020 | |
dc.identifier.uri | http://dspace.utb.edu.ec/handle/49000/7775 | |
dc.description | This case study is an analysis of the credit portfolio of Empresa Metrocar S.A. Babahoyo Branch, which is carried out with the information that the company was able to provide, which shows how the portfolio was found in the periods 2017 - 2018, we will see the items "overdue" mostly exceed those "to expire" reaching the conclusion that there is a high default rate, likewise financial ratios are used. Through the financial ratios we proceeded to analyze the rotation of the portfolio and the periodicity with which collections are made, thus reflecting the management by the company, it is also observed that the delinquency rate is due to factors other than the The company, unrelated to the inspection that it carries out for the approval of credits, depends on the financial changes that the client or debtor company is going through. | es_ES |
dc.description | This case study is an analysis of the credit portfolio of Empresa Metrocar S.A. Babahoyo Branch, which is carried out with the information that the company was able to provide, which shows how the portfolio was found in the periods 2017 - 2018, we will see the items "overdue" mostly exceed those "to expire" reaching the conclusion that there is a high default rate, likewise financial ratios are used. Through the financial ratios we proceeded to analyze the rotation of the portfolio and the periodicity with which collections are made, thus reflecting the management by the company, it is also observed that the delinquency rate is due to factors other than the The company, unrelated to the inspection that it carries out for the approval of credits, depends on the financial changes that the client or debtor company is going through. | es_ES |
dc.description.abstract | El presente estudio de caso es un análisis de la cartera de crédito de la Empresa Metrocar S.A. Sucursal Babahoyo, el cual se lleva a cabo con la información que la empresa supo facilitar en el cual se observa cómo se encontró la cartera en los periodos 2017 – 2018, observaremos los rubros “vencidos” supera en su mayoría a los “por vencer” llegando a la conclusión de que existe un alto índice de morosidad, así mismo se hace uso de Ratios financieros. A través de los ratios financieros se procedió a analizar la Rotación de la cartera y la periodicidad con que se realizan los cobros, reflejándose así la gestión por parte de la empresa, también se observa que el índice de morosidad se debe a factores ajenos a la empresa, ajenos a la inspección que realiza para la aprobación de los créditos, depende de los cambios financieros que estén atravesando ya sea el cliente o empresa deudoras. | es_ES |
dc.format.extent | 23 p. | es_ES |
dc.language.iso | es | es_ES |
dc.publisher | Babahoyo, UTB - FAFI 2020 | es_ES |
dc.rights | Atribución-NoComercial-SinDerivadas 3.0 Ecuador | * |
dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/3.0/ec/ | * |
dc.subject | Crédito | es_ES |
dc.subject | Deuda | es_ES |
dc.subject | Ingreso | es_ES |
dc.subject | Compra a crédito | es_ES |
dc.subject | Venta a crédito | es_ES |
dc.title | Análisis de la cartera de crédito 2017 – 2018 de la empresa METROCAR S.A. sucursal Babahoyo | es_ES |
dc.type | bachelorThesis | es_ES |