Analysis of credit risk management at bancrecer S.A., microfinance bank, las delicias Maracaibo branch

Abstract

The objective of this study was to analyze credit risk management at Bancrecer S.A., Microfinance Bank, Las Delicias Maracaibo branch, focusing on the credit risk management process, which includes granting credit, monitoring, recoveries, stress tests, contingency planning, and controls. The research was classified as descriptive and field-based, with a non-experimental and cross-sectional design, with a finite and accessible population, composed of five (05) credit managers at Bancrecer S.A. The observation technique used was a survey, using one (1) questionnaire as an instrument. The results were analyzed quantitatively using absolute frequencies showing that there are formal processes for granting and monitoring credit, but with poorly defined credit limits, preferential conditions for related parties, and irregular stress tests.