Estrategia gerencial basada en herramientas web para la identificación de los factores de riesgo en el otorgamiento de los créditos sin aval del segmento premium en Banesco Banco Universal

Abstract

The objective of this work was to propose a management strategy based on web tools. The study started from a diagnosis of the situation, as it was a quantitative research, it was based on a descriptive field study, in which the contribution of the managers who make up the population made up of six (6) employees was considered, which They will be addressed through the survey technique, these being key actors in the environment who live in the business, because they know the process of granting credit under conditions that frames the problem in the need to adopt effective management strategies. . The rational deductive method of analysis was used, making use of descriptive statistics for the interpretation of the data obtained. When applying the instrument whose reliability was 0.79 at an acceptable level, the general results were weaknesses within the companies in terms of training in web tools as well as their non-availability, however the company has reliable and solid, linked and controllable information. By virtue of the aforementioned, it is recommended to undertake managerial actions within the framework of training, training and acquisition of web tools as well as management elements such as management indicators.