Diseño de un manual para el otorgamiento y recuperación de cartera para la empresa “S.P.I sandblasting y pinturas industriales S.A.S de la ciudad de Cali

Abstract

In the company SPI SANDBLASTING Y PINTURAS INDUSTRIALES SAS of the city of Cali, the policy of granting loans to its customers in order to increase sales has been applied, but there have been portfolio recovery problems which implies certain risks for the company, as is illiquidity and its ability to respond with short-term financial obligations. This is how the present research proposal aims to design a manual for portfolio placement and recovery that allows counteracting or mitigating such problems. In this research, a descriptive methodology is proposed, with a mixed approach and inductive method, which will allow the identification of delinquency rates, help to characterize the relevant factors that influence this problem, in addition to the design and formulation of insurance policies. portfolio placement and recovery. Therefore, as a result of the investigation, the design of a manual for the placement and recovery of credit portfolio was obtained, in which procedures and policies were established that contribute to counteract and mitigate the problems encountered, in addition to identifying the factors that They influence the delinquency of loans, in order to improve the portfolio recovery rates for the company.