Elaboración de un manual de procedimientos para mitigar el riesgo en el microcrédito 5-5-5 con garantía quirografaria del sector comercial del BNF sucursal Riobamba correspondiente al primer semestre 2010

Abstract

To elaborate a Manual procedure to mitigate the risk in the Microcredit 5-5-5 with signature loan in the Commercial Sector the Bunco National de Foment Subsidiary Riobamba” is the proposal of this research work, developed to contribute with the development of the financial operations of the financial entity. Being manual a tool to evaluate the risk of micro credits. A theoretical, conceptual and methodological basic allowed establishing the necessary parameters to design a finished plan to prepare the present manual of procedure to be implemented by the BNF, with probably efficient evaluation. There will be an external and internal analysis, of opportunities, fortress, threats and weaknesses that surround the Department of Credit and Portfolio, as well as the Area of Microfinance. Also, the development of manual procedures facing to the department to certain procedures is contemplated. The principal target of the investigation mentions the identification of the current processes and flowcharts will develop to serve as a guide for BNF personnel. The elaboration of a Manual Procedure is a concluded with the mitigation of the risk in the micro credits 5-5-5, with the signature loan in the commercial sector of the BNF Subsidiary Riobamba, where political of procedure are specified clearly in the bases to be applied in the process, therefore it is possible to conclude that the principal target of the investigation has been fulfilled bases on a field investigation and suitable theorist. It is recommending taking into account the implementation of the manual of procedure in the Banco Nacional de Fomento Subsidiary Riobamba.