Análisis de la estrategia de créditos y cobranzas en las ventas del sector ferretero industrial de la ciudad de Guayaquil

Abstract

The hardware sector faces challenges to balance competitiveness in credit conditions and mitigate default risks, while collection management must adapt to the financial capabilities of each client through flexible systems and processes. The objective of the study was to analyze the credit and collection strategy in sales of the industrial hardware sector of the city of Guayaquil. A descriptive scope, non-experimental design, mixed approach, deductive and inductive method was used, using interviews, surveys and analysis of financial statements. The results showed that the implementation of digital platforms, automated systems to streamline management and improved communication are aspects that can improve the efficiency and effectiveness of credit and collection processes.