Propuesta para aumentar el éxito de aprobación de crédito para las entidades del sector real
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Date
2024-09-25
Advisors
Editors
Journal Title
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Volume Title
Publisher
Corporación Universitaria Minuto de Dios
Type
Thesis
Rights
Acceso Abierto - http://purl.org/coar/access_right/c_abf2
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
La importancia de los créditos para las empresas colombianas se convierte en una fuente de financiación indispensable para suplir las diferentes necesidades que se requieran, por ello el objetivo de esta investigación es realizar una propuesta para aumentar el éxito de aprobación de crédito para las entidades del sector real. Se utilizo un alcance descriptivo y un enfoque mixto a una población finita conformada por las empresas del sector real, con una técnica de análisis documental. Dentro de los hallazgos se resalta que el criterio más relevante para evaluar el riesgo de nuevos créditos los bancos se han enfocado en el flujo de caja proyectado, la capacidad de pago y la actividad económica. Se concluye que es fundamental contar con una estrategia sólida de gestión financiera implementando controles internos efectivos y estableciendo políticas financieras claras.
The importance of credits for Colombian companies becomes an indispensable source of financing to meet the different needs that are required, therefore the objective of this research is to make a proposal to increase the success of credit approval for entities in the sector. A descriptive scope and a mixed approach is used to a finite population made up of companies in the real sector, with a documentary analysis technique. Among the findings, it is highlighted that the most relevant criteria for evaluating the risk of new loans, banks have focused on projected cash flow, payment capacity and economic activity. It is concluded that it is essential to have a solid financial management strategy by implementing effective internal controls and establishing clear financial policies.
The importance of credits for Colombian companies becomes an indispensable source of financing to meet the different needs that are required, therefore the objective of this research is to make a proposal to increase the success of credit approval for entities in the sector. A descriptive scope and a mixed approach is used to a finite population made up of companies in the real sector, with a documentary analysis technique. Among the findings, it is highlighted that the most relevant criteria for evaluating the risk of new loans, banks have focused on projected cash flow, payment capacity and economic activity. It is concluded that it is essential to have a solid financial management strategy by implementing effective internal controls and establishing clear financial policies.
Description
Realizar una propuesta para aumentar el éxito de aprobación de crédito para las entidades del sector real.
Keywords
Real sector entities, Financial management, Credit approval, entidades del sector real, gerencia financiera, aprobación de créditos