Examinando por Materia "CUENTAS POR COBRAR"
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Ítem Análisis de la rentabilidad y solidez del sistema financiero bancario en Colombia(Universidad EAFIT, 2024) Vélez Alzáte, Melina; Gallego Laverde, Andrea María; Téllez Falla, Diego FernandoIn this study, the main determinants of banking profitability, measured or represented through traditional indicators such as ROE (Retorn on Equity) and ROA (Retorn on Assets), are analyzed for the five most representative commercial banks in Colombia from January 2015 to December 2022. For this purpose, an econometric model is proposed using panel data methodology, which includes other financial indicators and macroeconomic variables to measure the sensitivity of these profitability indicators to changes in the economic cycle. The results suggest that movements or fluctuations in non-performing loans and provisions are statistically significant and have a direct influence on banking profitability.Ítem Análisis de riesgo crediticio utilizando matrices de transición(Universidad EAFIT, 2020) Palacios Caciedo, Aura Liliana; Echeverri Tamayo, Rodrigo Andres; Tamara Ayus, Armando LeninÍtem Determinantes de la pérdida esperada en la cartera de clientes de una Institución Prestadora de Servicios de Salud(Universidad EAFIT, 2016) Correa Barragán, Carlos Julio; Trespalacios Carrasquilla, AlfredoLa estimación de la pérdida esperada en las cuentas por cobrar de una empresa y la modelación de las variables que la determinan constituyen una importante herramienta de medición de riesgo, con efecto directo en el desempeño del patrimonio -- En este trabajo se realiza la estimación mediante un modelo econométrico logit para datos agrupados, en una institución prestadora de servicios de salud ubicada en Colombia -- Se presenta una selección de cuatro modelos basados en la metodología logit para datos agrupados, encontrando que la pérdida esperada en las cuentas por cobrar de la entidad está condicionada por diez variables, que incluyen indicadores financieros y características propias de cada cliente, al igual que indicadores operativos de la cartera analizada -- Los resultados obtenidos muestran un adecuado ajuste y significancia global, al igual que índices de capacidad predictiva superiores al 89% -- De manera complementaria, a partir del modelo se determinan focos de gestión en los procesos operativos, comerciales y contractuales que permitan optimizar este riesgo para la entidadÍtem Determinantes del comportamiento de la Cartera de vivienda en Colombia 2000-2016(Universidad EAFIT, 2018) Puentes Calderón, Miguel Ángel; Figueras Parra, Julián Mauricio; Henao Duque, Juan FernandoThis article presents a quantitative analysis of the main determinants of the mortgage portfolio in Colombia -- A series economic model was proposed, the time in which the behavior of the balances of the housing portfolio in Colombia in the period 2000-2016 was carried out, in the function of the most influential economic and financial variables -- From the analysis, it is found that the level of mortgage portfolio of financial institutions is mainly explained, by the variation of the Gross Domestic Product, the DTF, and unemploymentÍtem Determinantes del riesgo de incumplimiento en créditos educativos : un análisis para Colombia(Universidad EAFIT, 2020) Granda Rodríguez, Manuela Andrea; Posso Suárez, Christian ManuelThis document uses non-parametric Machine Learning methodologies, in particular the XGBoost algorithm, to predict the risk of non-compliance with educational credits in Colombia offered by ICETEX between 2015 and 2018. The interest variable is the risk of default in student credits and is used as variable determinants associated with the socioeconomic level of students, as well as school information and academic achievement for each student. The main results show that socioeconomic variables with very good default predictors, in particular variables such as parent education and scores on critical reading tests are strong predictors. The results found contribute to economic and social policy decisions on the design of methods for higher education coverage through meritorious credits with public and private funds.Ítem Diseño de proceso de condonación de capital en el FGA Fondo de Garantías S. A.(Universidad EAFIT, 2023) Ruiz Henao, Dariana Carolina; Giraldo Hernández, Gina María; Grisales Soto, DanielÍtem Estimación del detrimento de la cartera de microcréditos : caso “Desembolsamos S.A.”(Universidad EAFIT, 2022) Yepes Barrera, Juan Sebastián; Mora Cuartas, Andrés MauricioThe objective of this study is to determine, by means of qualitative and quantitative variables the deterioration of the portfolio for the company "Desembolsamos S.A." (Company named hypothetically to reserve the name and use of the information in the application of the information in the application of the object of study for this thesis), which as its main activity grants loans from $ 100,000 to $ 500,000 payable in 30 days, taking as sample 6,582 credits subdivided into 6 categories such as Not Approved (N.A), Paid Late (P.L), Paid (P), Reported (R), Overdue (O) and Disbursed (D), determining the expected probability of loss of money over time, performing an analysis, comparing the deterioration of the applied with qualitative factors against the current fiscal regulations, ending with a linear regression economic model to interpret if the variables taken are effective to evaluate the loss of money over time.Ítem Estudio de factibilidad para la creación de una empresa de financiamiento comercial de microcrédito en la ciudad de Armenia(Universidad EAFIT, 2014) Urrea Arbeláez, David; Martínez Correa, Diana MarcelaÍtem Factibilidad para la creación de una fintech de administración de cartera para el sector asegurador en Colombia(Universidad EAFIT, 2023) Bogotá Restrepo, Crhistian David; Ciro, Sebastián de Jesús; Salazar Gómez, Francisco Javier; Uribe de Correa, Beatriz AmparoThe present research was carried out with the objective of evaluating the feasibility of creating a Fintech for a portfolio management for the insurance sector in Colombia. This idea arose since the financial industry has undergone a significant change in recent years due to the increasing penetration of financial technology, mainly FINTECH. Despite of a lack of organization and professionalism collecting fees, portfolio management presents a promising business opportunity mainly in the insurance intermediary sector. The portfolio management FINTECH can offer innovative and efficient solutions to improve relevant aspects in this field, which has relevant importance for economic sustainability future of companies in the insurance sector. This feasibility study was carried out under the UNIDO methodology, which provided a systematic and rigorous approach to work management. This ensured that all activities carried out were followed according to the plan and the defined objective. In conclusion, the creation of a portfolio management FINTECH in the insurance sector in Colombia is viable, profitable, and feasible.Ítem El factoring y su regulación(Universidad EAFIT, 2013) Murillo García, Carolina; Díaz Avila, Maria ClaraEl factoring como herramienta financiera, es utilizada mundialmente y ha permitido alcanzar niveles de desarrollo económico y financiero importantes en diferentes países -- En el siguiente escrito, se muestra cómo ha sido el desarrollo de este producto en Colombia y algunos de los factores en la legislación que no han permitido su potenciación como mecanismo de financiación, a través de una revisión de la bibliografía existente, las opiniones de diferentes participantes y la revisión de las notas y publicaciones sobre los casos que se han presentado en los últimos años en el paísÍtem Implementación de un modelo de deterioro de cartera para la empresa Distrias S.A.S.(Universidad EAFIT, 2022) Durante Acosta, Sebastián; López Marín, Juan Miguel; Rojas Ormaza, Brayan RicardoÍtem Machine Learning para la estimación del riesgo de crédito en una cartera de consumo(Universidad EAFIT, 2021) Ossa Giraldo, Wbeimar; Jaramillo Marin, Veronica; Rojas Ormaza, Brayan RicardoFinancial entities, due to their business nature, are inherently exposed to credit risk, for this reason, they are continually searching for new ways to measure the probability of default of clients requesting a loan. This research aims to comparing the precision of a logistic regression model against basic Machine Learning models for estimating credit risk in a consumer loan portfolio, these methodologies are emerging as a key tool for estimating risks due to their flexibility and learning capacity. For this, the Logistic Regression, Random Forest, Support Vector Machine and Multilayer Perceptron models were used, making a comparison in the efficiency of the estimation of the clients that are going to default, and obtaining as a result that the most balanced model at time of evaluation is the Random Forest.Ítem Medición de los determinantes cualitativos del incumplimiento de pago de la cartera de microcrédito en Colombia(Universidad EAFIT, 2018) Moreno Osorio, Catalina; Arango Londoño, David; Guerrero, Sergio EstebanThe microcredit can be seen as a set of operations defined within the law and regulated by the financial system that are intended to make loans of reduced amount with special conditions in interest rates and amortization periods to microentrepreneurs, households and people who need investment in working capital, purchase of fixed assets or portfolio in their productive projects of initial stage and/ or errant -- Bearing in mind that this source of financing has a great potential for development given the number of micro-enterprises and informalism in the country and that since 2011 has been the portfolio with the largest share in the number of debtors, as it has been growing at a higher than the total portfolio of the financial system -- In addition to presenting a deterioration in the credit risk indicators, the qualitative determinants of non-payment of the microcredit portfolio in Colombia -- To do this, the concept of soft information is used, which includes socioeconomic variables and characteristics of microenterprises and debtors that can determine their impact on the probability of default -- Using the logistic regression model methodology, you will obtain statistical evidence for or against the hypothesisÍtem Medición de riesgo de crédito de una cartera de clientes en un mercado eléctrico(Universidad EAFIT, 2017) Arce Balcázar, Juan Carlos; Giraldo Flórez, Yhon Fredy; Trespalacios Carrasquilla, AlfredoEMESSA is a generator, distributor and marketing company of energy from the Colombian electric market which gives the energy services for some populated downtowns of Cauca’s department -- The socioeconomic conditions of this department had increase the unpaynment frequency to the company -- In this work, the factors which are established determines this condition -- This would serve as a base for the generation of new strategies that would make an stronger comertial scheme -- Through the avaliable information, it is proposed the estimation of a logistic model for estimate the unpaynment of Each user, and posteriorly, trough the Montecarlos logistic model we obtain an approximation of the waited losses for the company in what delayed pursue refers -- Its found that the consume range increases the unpaynment probabilityÍtem Modelo de gestión del riesgo de cartera y creación de valor en una empresa de servicios públicos(Universidad EAFIT, 2024) Taborda Urriago, Sandra Patricia; Frasser Quiñones, Stefanny; Arango Londoño, Carlos MarioÍtem Modelo de medición de riesgo crediticio aplicado a cooperativa multiactiva(Universidad EAFIT, 2022) Aguilar Narváez, Lina Marcela; García Herrera, Melissa; Rojas Ormaza, Brayan RicardoCredit risk management is a structured approach that solidarity organizations have adopted to identify, measure, monitor and effectively control risk, so that they can take timely decisions to prevent and reduce the default in the payment of obligations by partners. The objective of this paper is to design a model for measuring credit risk to comply with the guidelines given by the regulatory entity and allows standardizing the process of granting credit to a multi-active cooperative in order to help in decision-making, especially by the credit and portfolio evaluation committees. For this, Logistic Regression, Decision Tree and Random Forest models were used, in order to determine from efficiency the most appropriate model for this organization.Ítem Modelo gestión de riesgo crediticio para otorgar y ampliar el cupo de cartera a clientes en una distribuidora de insumos y equipos médicos(Universidad EAFIT, 2022) Alarcón Osorio, Lady Lorena; Rojas Ormaza, Brayan RicardoThe management and measurement of risk in companies is a fundamental factor to take tactical and strategic decisions that allow to mitigate and/or control the risk, which allows have better liquidity. The credit risk in a company that distributes supplies and medical equipment plays an important role, because most of the customers are from the health sector and are affected in the fulfillment of payments because they depend on the transfer of resources by the state, thus generating an increase in the maturity of the portfolio. For the mentioned above, the present study seeks to analyze a risk estimation model of credit with an applied type investigation that allowed the elaboration of the model of credit risk under the CAMEL methodology, in order to measure, quantify, the level of risk of the clients, with the objective that the final result serves as a factor to grant and extend credit quota to the clients.Ítem Modelo integral de riesgo de crédito para productores agropecuarios en institución financiera de Colombia(Universidad EAFIT, 2020) Henao Duque, Andrés Felipe; Támara Ayús, Armando LeninÍtem Modelo para el análisis de riesgo crediticio basado en el modelo de Markov para una empresa del sector alimenticio(Universidad EAFIT, 2022) Restrepo Valencia, Nathalia; Batioja Bravo, Marlon Walter; Rojas Ormaza, Brayan RicardoThe credit risk seeks to avoid or reduce the possibility of los of the resources of the organization generated by the non-payment of obligations by a debtor, this can be controlled with policies and procedures that comply with current regulations and the risk profile of the company, through an adequate percentage of portfolio provisions. The aim of this work are to develop a credit risk model based on Markov model that would allow customers of an small company that is dedicated to the production of raw materials for the food industry, to analyze the risk default through Credit Transition Matrices (CTMs) matrices and subsequently Project the expected loss.Ítem Modelo para la determinación de la probabilidad de incumplimiento en el riesgo crediticio(Universidad EAFIT, 2020) Segura Ramos, José Eduardo; Támara Ayús, Armando Lenin