Modelo de análisis financiero y de riesgos para otorgar créditos a emprendedores en el producto Emprendedor Pacífico del Banco del Pacífico.

Abstract

The objective of this research is to propose a model of financial analysis and risks to the banking product Emprendedor Pacífico adjusted to the characteristics of entrepreneurs in the microenterprise and SMEs segment, considering that the current analysis is based on the bank's credit policies that do not have a clear distinction between large companies and entrepreneurs. A descriptive research with a qualitative approach was developed through a focus group to know the characteristics of the entrepreneurs and their perception of the facilities to access a loan. In order to identify the difficulties within the credit process at the Banco del Pacífico, a documentary investigation was carried out on the bank's credit policies, accompanied by a survey of bank officials and observation of the database of credit applications. A total of 23 variables were identified that hinder the approval of credits and cause delays in the credit process; The proposed policy modification includes banking regulations, general policies of the bank and characteristics found in this research on entrepreneurs, which would improve the approval of Emprendedor Pacífico credits at an estimated value of 92%. The application of the proposals presented in this document will allow the bank to report higher revenues for interest collection by having more credits granted, as well as favoring the economic development of the country by encouraging entrepreneurship from its inception to ongoing projects.