Diseño y elaboración de un manual de crédito para minimizar el riesgo crediticio de la Empresa Marcelo Vallejo Cía. Ltda., en la ciudad de Santo Domingo, provincia Santo Domingo de los Tsáchilas, período 2016-2017

Abstract

The present titling work consists of designing and preparing a credit manual to minimize the credit risk of Vallejo Cia. Ltd., company, in Santo Domingo, city, Santo Domingo de los Tsachilas, province period 2016-2017 through new policies and procedures to improve the placement of credit and give an optimal follow-up and recovery to the portfolio. To highlight the existing problem, it was necessary to prepare a survey that allowed knowing about the situation the company is going through. With all the information, it became evident that there are flaws and a number of errors committed within the entire credit process, such as: existence of a credit manual, lack of tracking and recovery of the portfolio and high index of delinquency. With this research work, the credit risk will be minimized by using this manual. It is recommended that the company will implement the manual loan preset and it may be subjected to changes, corrections and improvements, which allow increasing the portfolio yield and at the company liquidity.