Estrategias financieras para el crecimiento económico – social de Banco Internacional en las oficinas de Riobamba, periodos 2018-2020.

Abstract

This research work aims to design financial strategies that contribute to the economic growth of the International Bank in the 2018-2020 period. The financial strategies to support the achievement of the objectives raised by the financial institutions, to become models of decision for efficient and responsible management of activities of financial intermediation and thereby maximize the benefits both for the organization according to its operation, on the management of fundraising and placement of financial resources, quality of service and social responsibility as well as for its users and the proximity to become a strategic ally. Techniques such as surveys to clients of the targeted segment, interview to the managers of the Highland central zone and an evaluation diagnostic sheet to all the employees from the bank offices in Riobamba were implemented within the present work. From three hundred surveys done to the client of the target market in Riobamba, it is determined that a hundred sixty clients require a timely answer by trained officials with technology tools, two hundred forty clients consider that the credits received have contributed to the improvement of their socio-economic condition. The research hypothesis was verified by applying the non-parametric chi-square test, of being shown in addition a reliability by means of the calculation of the Alpha of Cronbach. In this way, it was concluded that financial strategies contribute significantly to the social economic growth of both the financial institution and the target segment of beneficiary clients, generated with a knowledge of the objectives within a strategic map, internal and external factors (SWOT), their hierarchy, prioritization, impact of matrices and even the application order is recorded.