Diseño de un Plan para la Implementación de una Nueva Modalidad de Crédito: “WtePresta” en el Banco W S.A.

Abstract

The objective of this project is to evaluate the viability of a new credit modality called “WtePresta”, in order to implement the product in Banco W S.A. that will look for people who do not have credit experience, to obtain a loan from a financial institution. Heads of households and adults without training who hardly have a permanent job, choose to start or set up their business, and due to their socioeconomic conditions, request loans from illegal people, who take advantage of the needs and abuse interest rates, placing at risk his integrity even his own life. In this way, it is intended to take the statistical data of the population of Valle del Cauca who would be potential clients to benefit from this type of credit, but offered by an authorized banking entity, in such a way that they are not only granted the loans but also contribute with the credit experience. A methodology based on consulting statistical sources and a sociodemographic study will be defined to quantify the population market; followed by surveys through the commercial force who will obtain more information to categorize the data and conclude the feasibility. Once it is feasible, the internal strategies will be carried out to adjust the processes so that there is a method defined before the credit is acquired, and the steps defined for its collection and balance of the loan, taking into account the needs of both of the client as well as of the Bank.