Business consulting para la empresa caja rural de ahorro y crédito del Centro S.A. – CAJA CENTRO S.A.
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Fecha
2021-08-19
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Pontificia Universidad Católica del Perú
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Resumen
El sector empresarial genera mayor cantidad de puestos de trabajo en el país, siendo
así, el sector microfinanciero de vital importancia para el apoyo y apalancamiento a las
microempresas no atendidas por la banca tradicional. Caja Rural de Ahorro y Crédito del
Centro S.A. con más de seis años en el mercado cuenta con cuatro agencias y tres oficinas
informativas ubicadas en puntos estratégicos y de alto tránsito comercial en la ciudad de
Huancayo. El objetivo de la presente consultoría es dar solución al problema principal que no
permite a la empresa cumplir con sus objetivos estratégicos. De acuerdo con las entrevistas
realizadas a las gerencias a lo largo del desarrollo de la tesis, estos objetivos han ido variando
debido al impacto generado por la emergencia sanitaria mundial de la COVID-19.
El problema principal es el insuficiente conocimiento y capacitación a los asesores
financieros en tecnología crediticia que se ha determinado a través de una matriz de
priorización, para alcanzar el objetivo primordial el cual es la mayor participación en el
mercado microfinanciero en la región Junín. Se trabajó con el diagrama de Ishikawa para
determinar las causas-raíz del problema y se aplicó el principio de Pareto para identificar las
causas a tratar. La solución propuesta es desarrollar un plan de capacitación anual en
tecnología crediticia para los asesores financieros atendiendo las causas-raíz priorizadas. Este
plan contempla capacitaciones tipo cascada en modalidad virtual con un presupuesto
reducido, para el seguimiento y control se aplicará la metodología de control de proceso
estadístico. De acuerdo con la evaluación financiera se obtiene un VAN de S/. 143,080.77 y
una TIR de 16.70% logrando una recuperación de la inversión en el séptimo mes con S/.
15,183.43 y un nivel de riesgo de 25.90% para el VAN y 0.80% para la TIR.
The business sector generates the largest number of jobs in the country, and the microfinance sector plays a crucial role in supporting and leveraging microenterprises than traditional banks. Caja Rural de Ahorro y Crédito del Centro S.A. operates more than six years in the market; it has four agencies and three information offices located in strategic points in high commercial traffic in Huancayo city. This consultancy aims to find a solution to the main problem that prevents the company from reaching its strategic objectives. According to the different management departments' interviews conducted during the thesis development, these objectives have been changing due to the impact COVID-19 global health emergency. The main problem is the insufficient knowledge and training of financial advisors in credit technology. It is determined through a priority matrix to achieve the primary objective: Increasing the market share in the Junín region. The Ishikawa diagram was used to determine the root causes of the problem. The Pareto principle was applied to identify the causes to be addressed. The proposed solution is to develop an annual training plan in credit technology for financial advisors, addressing the prioritized root causes. This plan involves cascade-type training in virtual modality with a reduced budget. Moreover, the statistical process control methodology will be applied for follow-up and control. According to the financial analysis, the NPV is S /. 143,080.77 and the IRR is 16.70% achieving a recovery of the investment in the seventh month with S /. 15,183.43 and a risk level of 25.90% for the NPV and 0.80% for the IRR.
The business sector generates the largest number of jobs in the country, and the microfinance sector plays a crucial role in supporting and leveraging microenterprises than traditional banks. Caja Rural de Ahorro y Crédito del Centro S.A. operates more than six years in the market; it has four agencies and three information offices located in strategic points in high commercial traffic in Huancayo city. This consultancy aims to find a solution to the main problem that prevents the company from reaching its strategic objectives. According to the different management departments' interviews conducted during the thesis development, these objectives have been changing due to the impact COVID-19 global health emergency. The main problem is the insufficient knowledge and training of financial advisors in credit technology. It is determined through a priority matrix to achieve the primary objective: Increasing the market share in the Junín region. The Ishikawa diagram was used to determine the root causes of the problem. The Pareto principle was applied to identify the causes to be addressed. The proposed solution is to develop an annual training plan in credit technology for financial advisors, addressing the prioritized root causes. This plan involves cascade-type training in virtual modality with a reduced budget. Moreover, the statistical process control methodology will be applied for follow-up and control. According to the financial analysis, the NPV is S /. 143,080.77 and the IRR is 16.70% achieving a recovery of the investment in the seventh month with S /. 15,183.43 and a risk level of 25.90% for the NPV and 0.80% for the IRR.
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Consultores de empresas--Planificación estratégica, Cajas de ahorros--Administración, Crédito rural--Perú