“Diseño de un modelo de gestión de créditos y cobranzas para industrial comercial Redmarket compañía Ltda, en la ciudad de Riobamba”

Abstract

The present study was developed with the main objective of designing a credit and collection management model for the commercial industrial RedMarket, to improve the processes of granting and collection of commercial credits given by the supermarket, mainly to its external clients with agreements that the company has. This study was carried out under a qualitative approach methodology, with a descriptive, non-exploratory documentary and field design; applying research techniques such as interview, survey and observation and their respective instruments such as the interview guide, the questionnaire and an observation sheet used for the control questionnaire applied to the credit and collection department in order to identify the main risks. Thus, it was possible to propose a model based on developed components that define the definition of each element and the activities that must be followed for an adequate credit process. Each of the activities was raised and in turn the control for the processes is raised. As a conclusion, it is obtained that by defining each of the components of the proposed model, it is possible to identify inherent risks that can be mitigated from corrective actions and in the appropriate time. It is recommended that the company make use of the proposed model so that it can improve its credit process, its collection and avoid the loss of resources, in addition to achieving liquidity and positive flow to adequately meet its suppliers and internal customers.