El manejo de la gestión de créditos en las medianas empresas en el sector de comercialización de materiales de construcción en la ciudad de Cuenca

Abstract

The purpose of the research work carried out, the handling of credit management in medium-sized companies in the construction materials marketing sector, is to determine whether there is a good credit management. For this purpose, the analytical-synthetic method was used, since it is the appropriate one where it allows to mentally establish the combination of the parts previously analyzed and makes it possible to discover relationships and general characteristics among the elements of reality, mainly based on the approaches of credit management. The main objective of the research is to analyze the main variables of credit management such as the processes to grant a credit, credit policies, the 5 C`s of credit, elements to consider for a credit sale, processes to determine credit policies. As a case study, the city of Cuenca was taken into account, and surveys were conducted with multiple choice questions, as well as a single answer choice, which help us to gather information about their environment. Finally, according to the data obtained from the variables taking the same importance for each one of them, they have a rating of 37.60/100; that is to say that all the processes proposed in this research should be followed to obtain better results and a better organization for the companies.