I.
GENERALIDADES I.1.
TÍTULO DEL PROYECTO “PROPU “PROPUEST ESTA A DE UN PLAN ANTE ANTE EL RIESGO RIESGO CREDITI CREDITICIO CIO PARA DISM DISMIN INUI UIR R LA MORO MOROSI SIDA DAD D DE LOS LOS CLIE CLIENT NTES ES DEL DEL BANCO AZTECA”
I.2.
TESISTAS -EUFRACIO VALLEJOS, Dacussy -RAMÍREZ RAMUNDO, Luc!" - VARA TUCTO, A#$%&
I.3.
ASESOR
I. I.4. 4.
FECHA FECHA DE INIC INICIO IO Y FECHA FECHA PROBA PROBABL BLE E DE DE TER TERMI MINO NO -
II.
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PLAN LANTEAM EAMIENTO DEL PROBLEMA II II.1 .1..
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II.2.
FORMULACIÓN DEL PROBLEMA II.2.1. Probl!" #$r"l D% 6u= 2a#%1a u# 5&a# a#0% %& 1!%s$" c1%(!0!c!", (!s2!#u!18 &a 2"1"s!(a( (% &"s c&!%#0%s (%& Ba#c" “A>0%ca”
II.2.2. Probl!"% %&'()*'o% a Cu8&%s s"# &as c"#s%cu%#c!as (% #" a5&!ca1 u# 5&a# a#0% %& 1!%s$" c1%(!0!c!" %# %& Ba#c" “A>0%ca” 7 Cu8& %s %& #!9%& (% 2"1"s!(a( (% &"s c&!%#0%s (%& Ba#c" “A>0%ca” c Cu8&%s s"# &"s 7%#%;!c!"s (% a5&!ca1 u# 5&a# a#0% %& 1!%s$" c1%(!0!c!" %# %& Ba#c" “A>0%ca”
II.3.
OB+ETI,OS II.3.1. Ob-*/o #$r"l P1"5"#%1 u# P&a# a#0% %& R!%s$" C1%(!0!c!", 5a1a (!s2!#u!1 &a 2"1"s!(a( (% &"s c&!%#0%s (%& Ba#c" “A>0%ca”:
II.3.2. Ob-*/o% %&'()*'o% a D%;!#!1 5"&@0!cas (% %9a&uac!<# %# &a 6u% s% s%a&% &a ca5ac!(a( (% 5a$" y %& %#(%u(a2!%#0" (%& c&!%#0%:
Página 2
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II.4.
+USTIFICACIÓN E IMPORTANCIA II.4.1. +0%*)*'"'*$ E# %& c"#0%?0" $%#%1a& 6u% "1!%#0a &a 51"5u%s0a (%& 51"y%c0" (% !#9%s0!$ac!<#, %#;a0!>a#(" %# 6u% %& 1!%s$" c1%(!0!c!" %s sus0a#c!a& %# &a $%s0!<# (% &as %#0!(a(%s 6u% 1%a&!>a# !#0%12%(!ac!<# ;!#a#c!%1a, 6u% s! #" %s 1a>"#a7&%2%#0% c"#01"&a(", "cas!"#a1a s%1!"s 5%1u!c!"s a &a "1$a#!>ac!<#, a &"s c&!%#0%s y a &a c"2u#!(a(, y 6u% (%7% %#;"ca1s% a& 51"c%s" (% "0"1$ac!<# (% c1=(!0" y su s%$2%#0ac!<#:
II.4.2. I!&or"$'*" Es0% 51"y%c0" (% !#9%s0!$ac!<# %s u#a $u@a 6u% ayu(a18 %# ;"12a a(%cua(a a 2!0!$a1 1!%s$"s, c"#0!#$%#c!as y 2!#!2!>a1 &"s 5"s!7&%s 51"7&%2as 6u% 5u%(a# $%#%1a1s% %# &a "5%1a0!9!(a( %c"#<2!ca (% &a I#s0!0uc!<#, a;%c0a#(" (% %s0a 2a#%1a a #!9%& "5%1a0!9", a(2!#!s01a0!9" y ;!#a#c!%1", as@ c"2" 0a27!=# a& s!s0%2a !#;"1280!c" ;!#a#c!%1", a#0% %9%#0ua&%s 1!%s$"s (%1!9a("s (% ;ac0"1%s !#0%1#"s y %?0%1#"s a &"s 6u% %s0a2"s %?5u%s0"s (@a a (@a, 5%12!0!%#(" c"# &a a(%cua(a a5&!cac!<# (% %s0% P&a# (% R!%s$" C1%(!0!c!": La Ca10%1a (% C1=(!0", 6u% %s &a 1a><# (%& 7a#c" a>0%ca (% &a c!u(a( (% Hu8#uc", (%7% s%1 c"#01"&a(a, %;!ca> y %;!c!%#0%2%#0%: S% (%7% (%;!#!1 % !25&%2%#0a1 &"s 51"c%s"s (% c"#01"& !#0%1#" "5"10u#"s y 5"&@0!cas 6u% #"12%# &"s 51"c%(!2!%#0"s, 0"2a#(" %# c"#s!(%1ac!<# u# 2%"1 c"#01"& %# %& D%5a10a2%#0" (% C1=(!0" c"# u# 81%a Es5%c!a&!>a(a (%#"2!#a(a) “A(2!#!s01ac!<# (% C1=(!0"” " “G%1%#c!a (% R!%s$"s” 6u% 51"cu1% %;%c0ua1 c"#01"&%s 51%c!s"s y (%;!#!("s 5a1a %9!0a1 %& 1!%s$" ;!#a#c!%1" y &as 5"s!7&%s 5=1(!(as %c"#<2!cas: Página 3
II..
LIMITACIONES E# %& (%sa11"&&" (%& 51"y%c0" s% 51%s%#0a1"# &as s!$u!%#0%s &!2!0ac!"#%s) a Escas%> 7!7&!"$18;!ca s"71% %s0u(!"s 1%a&!>a("s a &a %#0!(a(: 7 D%;!c!%#c!a %# &a (!s01!7uc!<# (%& 0!%25": c L!2!0ac!<# %# %& acc%s" (% &a !#;"12ac!<# (% &a %#0!(a(:
III.
MARCO TEORICO III.1. ANTECEDENTES DE ESTUDIOS REALIADOS C"2" 1%su&0a(" (% &a 7s6u%(a (% !#;"12ac!<# 7!7&!"$18;!ca s% 'a# %#c"#01a(" a#0%c%(%#0%s 1%&ac!"#a("s a &a 51%s%#0% !#9%s0!$ac!<#, &"s cua&%s s% %#cu%#01a# %# 01a7a"s (% !#9%s0!$ac!<# 0a&%s c"2") a S%$# &"s au0"1%s) Mu1!&&" F&"1%s, !((%1R!&%y y Hua2a# Ca2"#%s, B%&!>aR"csa#a 51%s%#0a1"# u#a 0%s!s s"71% “ADMINISTRACIN DE RIESGO CREDITICIO SU INCIDENCIA EN LA MOROSIDAD DE LA COOPERATIVA DE AHORRO CRKDITO SAN FRANCISCO DURANTE EL PERIODO .*+*” (% &a UNIVERSIDAD NACIONAL HERMILIO VALDIZAN DE HUNUCO: 7 S%$# &"s au0"1%s) A$u!&a1 A#(@a, G!"9a#a y Ca2a1$" Ca1(%#as, G"#>a&" 51%s%#0a1"# u#a 0%s!s s"71% “ANLISIS DE LA MOROSIDAD DE LAS INSTITUCIONES MICROFINANCIERAS IMF EN EL PER” (% &a UNIVERSIDAD NACIONAL HERMILIO VALDIZAN DE HUNUCO: c S%$# &"s au0"1%s)C'ac"#Basa$"!0!a, Ma!"&( y R"sa&%s N"1a7u%#a, R!c'a1H%#11y 51%s%#0a1"# u#a 0%s!s s"71% “EL CONTROL DEL RIESGO CREDITICIO MEDIANTE UNA ADECUADA EVALUACIN A LOS CLIENTES DE LA CAJA MUNICIPAL DE AHORRO CRKDITO TRUJILLO” S:A -.** (% &a UNIVERSIDAD NACIONAL HERMILIO VALDIZAN DE HUNUCO:
Página 4
( S%$# &a au0"1a)Su%!1"C"1("9a, N%&&y E9%&y# 51%s%#0" u#a 0%s!s s"71% “PLANEAMIENTO ESTRATEGICO PARA AUMENTAR EL SALDO DE COLOCACIQN DEL AREA DE CREDIJOA DE LA CAJA MUNICIPAL DE AHORRO CREDITO DE TRUJILLO AGENCIA AVENIDA ESPAA PARA EL AO .*++” (% &a UNIVERSIDAD NACIONAL DE TRUJILLO:
III.2. BASES TEÓRICAS La %&a7"1ac!<# (% u# 5&a# (% 1!%s$" c1%(!0!c!" 5a1a s%$u1!(a( (%& ac0!9" 28s !25"10a#0% (% &a !#0%12%(!ac!<# ;!#a#c!%1a, c"#0%25&a %& a#8&!s!s (% &"s ;ac0"1%s (% 1!%s$" a &"s 6u% 5u%(% %s0a1 %?5u%s0a &a ca10%1a (% c1=(!0" (%& Ba#c" “A>0%ca”: E& 5&a# (% 1!%s$" c1%(!0!c!" %s0a7&%c% &"s 51"c%(!2!%#0"s y acc!"#%s 78s!cas 6u% s% (%7%# %%cu0a1 5a1a a;1"#0a1 (% 2a#%1a "5"10u#a, 8$!& y %;%c0!9a (!c'"s 1!%s$"s: As@ 2!s2" 0%#%2"s &a (%0%12!#ac!<# (%& s%19!c!" y &as c"#(!c!"#%s (% s%19!c!" 6u% 71!#(a %& Ba#c" “A>0%ca”:
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Página 5
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IV:
VARIABLE, INDICADORES, DEFINICION OPERACIONAL, HIPOTESIS IV:+: Va1!a7&%s %# su as5%c0" c"#c%50ua& - Va1!a7&% !#(%5%#(!%#0% - Va1!a7&% (%5%#(!%#0% IV:.: I#(!ca("1%s - Va1!a7&% !#(%5%#(!%#0% - Va1!a7&% (%5%#(!%#0% IV:3: Va1!a7&%s (%;!#!(as "5%1ac!"#a&2%#0% - Va1!a7&% !#(%5%#(!%#0% - Va1!a7&% (%5%#(!%#0% IV:: F"12u&ac!<# (% '!5<0%s!s Página 14
IV::+: H!5<0%s!s $%#%1a& IV::.: H!5<0%s!s %s5%c!;!c"
V:
MARCO METODOLOGICO V:+: T!5" (% !#9%s0!$ac!<# V:.: M=0"("s V:3: D!s%" y %s6u%2a (% &a !#9%s0!$ac!<# V:: P"7&ac!<# y 2u%s01a V::+: P"7&ac!<# V::.: Mu%s01a V:/: T=c#!cas (% 1%c"&%cc!<# 01a0a2!%#0" (% (a0"s V:: I#s01u2%#0"s (% 1%c"&%cc!<# (% (a0"s, ;u%#0%s V:: P1"c%sa2!%#0" y 51%s%#0ac!<# (% (a0"s
VI:
ASPECTOS ADMINISTRATIVOS PRESUPUESTARIOS VI:+: R%cu1s"s 'u2a#"s VI:.: R%cu1s"s 2a0%1!a&%s VI:3: S%19!c!"s VI:: F!#a#c!a2!%#0" VI:/: C1"#"$1a2a (% ac0!9!(a(%s
VII:
BIBLIOGRAFIA VII:+: D"cu2%#0a&%s 0%?0"s, &!71"s, %#c!c&"5%(!as, (!cc!"#a1!"s, %0c: VII:.: H%2%1"$1a;!cas (!a1!"s " 5%1!<(!c"s, !#;"12a0!9"s, 1%9!s0as, %0c: VII:3: D!1%cc!"#%s E&%c01<#!cas 58$!#as %7, 7&"$s, %0c:
Página 15
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