Examinando por Autor "Herrera Carranza, Gamaliel"
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- ÍtemClasificación de variables que representan mayor impacto al incumplirse al momento de otorgar cartera de microcréditos(Fundación Universitaria Los Libertadores. Sede Bogotá., ) Herrera Carranza, Gamaliel; González Veloza, José John FredyThe granting of credit products in the Colombian financial market, specifically in the microcredit lines, implies a higher level of risk, taking into account the nature of the profile of the clients to whom these products are granted, who are mostly people with high levels of vulnerability, little or minimal credit experience and marked informality in the development of their economic activities, therefore It is important to identify which credit policies are more relevant when the client deteriorates or does not pay timely the value of the installments corresponding to the disbursed credits. That is why it is considered pertinent to carry out an analysis of the variables (credit policies) that are evaluated during the analysis process and approval of credit applications, since it has been identified that those customers who have incurred in arrears, did not initially comply with any of the credit policies that should be considered for approval of credit. So, according to the results of the analysis, it is considered important to integrate into the methodology evaluation, analysis and granting, some adjustments to the level of demand in compliance with the policies that generate a greater impact or possibly explain non-payment by customers, such as example: control the amount of the disbursement, exclude or request greater guarantees from clients who carry out activities companies that showed a bad payment habit, with which they can improve their portfolio quality indicators.