Anuario Facultad de Ciencias Económicas y Empresariales (Jun 2017)
Proposal of Optimization of the Process of Credit Analysis to the Self-Employment Segment
Abstract
As part of the banking system transformation process in Cuba, from 2011 is provided the granting of credits to persons authorized to engage in self-employment and other forms of non-state management. These new types of credit must be subject to strict rules of risk, analysis by the banking institution, what has caused it to become a slow and complicated process. According to the situation described, an analysis of the credit granted to this segment is carried out at the Branch 8312 of the Popular Saving Bank, determining the main limitations and making proposals to improve this said process through the mapping process tool that Proposes the Microsave Methodology which reduce the response time to the requests of the clients and contribute to the provision of more efficient services.
