Sistemas de acciones para la concesión de créditos en el Banco Popular de Ahorro de Taguasco
Loading...
Date
Journal Title
Journal ISSN
Volume Title
Publisher
Universidad de Sancti Spíritus "José Martí Pérez"
Abstract
La investigación se realizó en la Sucursal 5022 del Banco Popular de Ahorro del municipio de Taguasco, se consideran como referencia los resultados alcanzados en los ejercicios económicos 2023 y 2024. En la misma se utilizaron métodos teóricos y empíricos, se efectuaron análisis documentales y en el nivel empírico se realizaron entrevistas y encuestas a especialistas. Se realizó un diagnóstico a través de los análisis de los Estados Financieros. El objetivo es proponer acciones que incentiven el otorgamiento de financiamientos a los Trabajadores por Cuenta Propia (TCP) del municipio de Taguasco, las que contribuirán a mejorar los resultados en la gestión financiera y al cumplimiento de los objetivos de trabajo, respondiendo a la necesidad que tiene la organización de mejorar la calidad del servicio bancario en aras de lograr que se incremente la cartera de financiamientos y los ingresos por este concepto. Al finalizar, se arriba a conclusiones y recomendaciones de significativa importancia para el adecuado funcionamiento y desarrollo del proceso económico, productivo y social, previsto en post de la eficiencia de los servicios.
The research was conducted at Branch 5022 of the Popular Savings Bank in the municipality of Taguasco, taking as reference the results achieved in the fiscal years 2023 and 2024. Both theoretical and empirical methods were used; documentary analyses were performed, and at the empirical level, interviews and surveys were carried out with specialists. A diagnosis was made through the analysis of the Financial Statements. The objective is to propose actions that encourage the granting of financing to Self-Employed Workers (TCP) in the municipality of Taguasco, which will contribute to improving financial management results and achieving work objectives, addressing the organization’s need to improve the quality of banking service in order to increase the loan portfolio and income from this concept. Finally, conclusions and recommendations of significant importance are presented for the proper functioning and development of the economic, productive, and social process, aimed at enhancing service efficiency.
The research was conducted at Branch 5022 of the Popular Savings Bank in the municipality of Taguasco, taking as reference the results achieved in the fiscal years 2023 and 2024. Both theoretical and empirical methods were used; documentary analyses were performed, and at the empirical level, interviews and surveys were carried out with specialists. A diagnosis was made through the analysis of the Financial Statements. The objective is to propose actions that encourage the granting of financing to Self-Employed Workers (TCP) in the municipality of Taguasco, which will contribute to improving financial management results and achieving work objectives, addressing the organization’s need to improve the quality of banking service in order to increase the loan portfolio and income from this concept. Finally, conclusions and recommendations of significant importance are presented for the proper functioning and development of the economic, productive, and social process, aimed at enhancing service efficiency.