Estrategias de cobranza para la gestión de la cartera de INTERAGUA en el sector de la Isla Trinitaria en la ciudad de Guayaquil.

Abstract

The Trinitarian Island is a socioeconomic sector, which is part of the jurisdiction of the city of Guayaquil, whose selection to be classified as a site of difficult access for the control of the collection manifested by executives of the company itself. The economic profile of the users is linked by the risk of default in the portfolio, due to the lack of fixed workplaces and living conditions below the coverage in food resources and payment for basic services. The present investigation tries to establish strategies to mitigate the risk of bad debts of the portfolio of the users of this locality, with viable options based on the cost benefit. For the information processing, applied, exploratory, descriptive and explanatory research is used, with three data collection techniques, the survey aimed at receiving the opinions of the users regarding their economic situation, to the interview by the staff Interagua internal, and the observation sheet to analyze the behavior of the company's portfolio. The results obtained from the data collection regarding the payment behavior of the users of the Trinitarian Island were a moratorium of 73 to 75 invoices pending payment on average, 25% of the users living in the sector no longer have The service, therefore, faced with this situation, it was proposed to apply the following strategies: incorporate a prepaid meter that requires users to cancel values before their monthly consumption of drinking water, with reference to invoices pending payment, the proposed forgiveness of 50% of the debts, only for clients that fulfill their cancellation commitment and also incur in the hiring of a collection company that employs personnel who live and know the area of the Trinitarian Island, to make payment options viable to reduce overdue portfolio.