Aplicación de un modelo de recuperación de cartera para mitigar el riesgo y disminuir la morosidad en el departamento de cartera del Banco Nacional de Fomento sucursal Riobamba

Abstract

This paper proposes the overdue decrease strategy application in the collecting department from Banco Nacional de Fomento (BNF), Riobamba Canton, Province of Chimborazo in order to supply a tool for the staff involved in collecting debts so that their work can be improved. This proposal establishes strategies to decrease the overdue which have a set of activities to be carried out in the collecting assistant management with dedication, responsibility, and resource management and institution improvement. Staff performance will be improved by using these strategies. They focus on organization overdue collection and prevention. This trouble appears due to there is no a permanent evaluation about institution activity, staff training, pleasant working environment, minimum employee contribution to achieve the organization objectives. All of these parameters will be modified using this proposal. There will be a new way of doing things and acting. Therefore, collecting assistant management activities will be reliable. It is recommended to take into account all the suggestions proposed in this investigation to achieve the institution objectives and goals.