Plan estratégico para mejorar la rentabilidad de la empresa BCS OKO-GARANTIE, período 2019-2023

Abstract

This research is a strategic plan to improve the profitability of the company BCS OKO-GARANTIE, period 2019-2023, in order to become a tool that helps the reduction and control of the overdue portfolio with customers, suppliers, in the institution. For its development was carried out, surveys to the clients and collaborators of the institution and observation that was executed throughout the institution. Among the findings was the lack of strategic planning of the company affects that the business policies are not assertive, and are not fully complied with, especially those of collection due to the time of delivery of the certificate to the client; loans are granted to customers without proper analysis, giving rise to non-payment; legal actions to demand payment are hindered because the customer demonstrates a lack of liquidity. The strategic plan is mainly aimed at improving the processes in all departments, which allow a better control of them, and reduce the credit risks that is the main problem of the institution with this research is intended to provide the opportunity to modernize its credit policies through the application of the Balanced Scorecard with which the management process is simplified and allows to have a corporate philosophy. It is recommended to all staff at all levels to focus on meeting the objectives of the company for which excellent communication is needed considering the opinion and satisfaction of customers is one of the important engines that drives the company to provide quality products and services