Publicación: Propuesta para prácticas profesionales en el área de crédito y cartera de la caja de compensación familiar de Arauca – Comfiar
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CAJA DE COMPENSACION FAMILIAR DE ARAUCA – COMFIAR is an autonomous private corporation, nonprofit which acts as a social security benefit of the worker and his family, nowadays It has a section called CREDIT AND PORTFOLIO, for those active workers belonging to the Corporation with preferential interest rates of up to 14% annual but it depends on the category in which they are registered. Through these internships procedures Credit & Portfolio section was updated in order to be established in the schedule of activities for each auxiliary and this keep power by documentation and provide excellent service for each use. Also It is very important this application of these procedures because portfolio is overdue and it is a risk of passing portfolio doubtful accounts where in 2009 a significant value was punished. There are many internal and external factors that are influenced into the increase in overdue portfolio where SWOT matrix was created for better understanding and visualization of the actual situation. The credits and portfolio conciliations are made in order to help the collection of receivables and to reduce portfolio where it is very important because with the monthly reconciling bank are generated to the accounting office, those revenues which are not identified will account to other collections. Besides, updating the quality management procedures and evaluation such as portfolio, the recommendation or application of the SCORE program is given, it is a product that offers the CIFIN to assess the behavior of applicants for credit, look at all their credit behavior life through a score and with this one an effective decision-making is determined. But also, this decision tries to achieve that the resources asigned have no risk of getting lost or avoid wearing the portfolio section CREDITS AND PORTFOLIO.