Acciones de gestión para acrecentar los Depósitos de Ahorro en el Banco Popular de Ahorro
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Universidad de Sancti Spíritus "José Martí Pérez"
Abstract
La investigación se realizó en la Sucursal 5212 del Banco Popular de Ahorro, se
consideran como referencia los resultados alcanzados en los ejercicios económicos
2022 – 2023. En la misma se utilizaron métodos teóricos y empíricos, se efectuaron
análisis documentales, y se realizaron entrevistas y encuestas a especialistas. Se
realizó un diagnóstico a través de los análisis de los Estados Financieros con el objetivo
de proponer medidas y acciones que incentiven acrecentar los depósitos por
concepto de ahorro, que permitan optimizar los resultados en la gestión financiera y el
cumplimiento de los objetivos de trabajo, respondiendo a la necesidad que tiene la
organización de lograr progresos en la captación de pasivos, aplicando políticas
crediticias dirigidas, en lo fundamental a brindar el apoyo necesario a aquellas
actividades que estimulen la producción nacional mediante las instituciones financieras.
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 y al incremento de los ingresos
financieros mediante el otorgamiento de créditos bancarios y la colocación nacional.
The research was carried out in Branch 5212 of Banco Popular de Ahorro, the results achieved in the financial years 2022 2023 are considered as a reference. Theoretical and empirical methods were used, documentary analyzes, and surveys of specialists. A diagnosis was carried out through the analysis of the Financial Statements with the objective of proposing measures and actions that encourage increasing deposits for savings, which allow optimizing the results in financial management and the fulfillment of work objectives, responding to the need for the organization to achieve progress in raising liabilities by applying credit policies aimed, fundamentally, at providing the necessary support to those activities that stimulate national production through financial institutions. At the end, conclusions and recommendations of significant importance are reached for the proper functioning and development of the economic, productive and social process, planned for the efficiency of services and the increase in financial income through the granting of bank credits and the national placement.
The research was carried out in Branch 5212 of Banco Popular de Ahorro, the results achieved in the financial years 2022 2023 are considered as a reference. Theoretical and empirical methods were used, documentary analyzes, and surveys of specialists. A diagnosis was carried out through the analysis of the Financial Statements with the objective of proposing measures and actions that encourage increasing deposits for savings, which allow optimizing the results in financial management and the fulfillment of work objectives, responding to the need for the organization to achieve progress in raising liabilities by applying credit policies aimed, fundamentally, at providing the necessary support to those activities that stimulate national production through financial institutions. At the end, conclusions and recommendations of significant importance are reached for the proper functioning and development of the economic, productive and social process, planned for the efficiency of services and the increase in financial income through the granting of bank credits and the national placement.