Plan operativo para elaborar estrategias de saneamiento sobre la cartera vencida del Banco Nacional de Fomento sucursal Riobamba del período 2015-2016

Abstract

The present investigation aims to carry out operational strategy plan about arreas of Banco Nacional de Fomento Sucursal Riobamba from 2015-2016 for the small and big producers in Ecuador and mainly in the province of Chimborazo. The direct observation was used to derermine this serious situation. The lack of credit policies increases the default rate. This problem makes a bad impression on bank customers. The creators’ balanced scorecard perspective- based operational plan was posed. It is necessary to implement a call center, a complete discount- based collection system, a process standardization, customers’ segmentation and credit collection processes. The arreas will be reduced and the risk analysis will be improved with this operational plan. It is recommended to establish more effective procedures in the credit operations and collection management and to redesign the strategy plan according to the internal and external needs.