Aplicación web para la gestión de créditos en la entidad financiera “Kallarik Samay” mediante software libre
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Date
2023
Journal Title
Journal ISSN
Volume Title
Publisher
PUCE - Ibarra
Abstract
El presente proyecto consiste en la automatización del sistema de gestión de créditos en la institución financiera “KALLARIK SAMAY”, ubicada en la ciudad de Otavalo, la institución ha abierto sus puertas hace aproximadamente cinco años, con la finalidad de ayudar en la agricultura y ganadería ofreciendo microcréditos a los campesinos para el aporte de sus cultivos y otros emprendimientos. La institución ha sido de gran ayuda con brindarles servicios de microcréditos a personas que no cumplen con los requisitos necesarios, y por lo general los bancos ordinarios no les ayuda debido a la falta de estos requisitos. Por lo tanto, los clientes que desean un crédito, por lo general acuden principalmente a la institución financiera “KALLARIK SAMAY”, ya que, les facilita créditos con pocos tramites con una tasa de interés bajo para la agricultura y ganadería. La forma de gestionar el crédito y el almacenamiento de toda la información se realizan mediante documentos físicos y se almacena los créditos en formato excel, lo cual ha sido un riesgo para la institución, exponiéndose ha perdida de información, acumulación y desorden de documentos, tiempos prolongados de atención, y a pesar de ser una institución con prestigio dentro de las comunidades han existido quejas, que para realizar una consultas o solicitudes de créditos deben permanecer varias horas en espera. Como consecuencia de estos problemas, se ha visto la necesidad de desarrollar un sistema web que permita realizar las consultas y solicitudes de créditos en línea, para esto basta con tener una computadora o portátil que este conectado al internet y esperar la respuesta del asesor e interactuar median este sistema web. El sistema permitirá al cliente evitar una larga espera para una consulta y a su vez le facilitará que la institución almacenar y gestionar información de manera adecuada y puedan usar una información actualizada al instante.
The present project consists of the automation of the credit management system in the financial institution KALLARIK SAMAY, located in the city of Otavalo, the institution has opened its doors approximately five years ago, with the purpose of helping in agriculture and livestock offering microcredits to peasants for the contribution of their crops and other enterprises. The institution has been of great help by providing microcredit services to people who do not meet the necessary requirements, and ordinary banks generally do not help them due to the lack of these requirements. Therefore, clients who want a loan, generally go mainly to the financial institution KALLARIK SAMAY, since it provides them with loans with few procedures with a low interest rate for agriculture and livestock. The way to manage the credit and the storage of all the information is done through physical documents and the credits are stored in excel format, which has been a risk for the institution, exposing the loss of information, accumulation and disorder of documents, time long service hours, and despite being a prestigious institution within the communities, there have been complaints that in order to make inquiries or credit applications, they must remain on hold for several hours. As a consequence of these problems, there has been a need to develop a web system that allows inquiries and credit applications to be made online, for this it is enough to have a computer or laptop that is connected to the internet and wait for the advisor's response and interact through this web system. The system will allow the client to avoid a long wait for a consultation and, in turn, will make it easier for the institution to store and manage information in an appropriate manner and to use updated information instantly.
The present project consists of the automation of the credit management system in the financial institution KALLARIK SAMAY, located in the city of Otavalo, the institution has opened its doors approximately five years ago, with the purpose of helping in agriculture and livestock offering microcredits to peasants for the contribution of their crops and other enterprises. The institution has been of great help by providing microcredit services to people who do not meet the necessary requirements, and ordinary banks generally do not help them due to the lack of these requirements. Therefore, clients who want a loan, generally go mainly to the financial institution KALLARIK SAMAY, since it provides them with loans with few procedures with a low interest rate for agriculture and livestock. The way to manage the credit and the storage of all the information is done through physical documents and the credits are stored in excel format, which has been a risk for the institution, exposing the loss of information, accumulation and disorder of documents, time long service hours, and despite being a prestigious institution within the communities, there have been complaints that in order to make inquiries or credit applications, they must remain on hold for several hours. As a consequence of these problems, there has been a need to develop a web system that allows inquiries and credit applications to be made online, for this it is enough to have a computer or laptop that is connected to the internet and wait for the advisor's response and interact through this web system. The system will allow the client to avoid a long wait for a consultation and, in turn, will make it easier for the institution to store and manage information in an appropriate manner and to use updated information instantly.
Description
Keywords
Sistema web, Créditos, Simulador de créditos, Consultas de pago, Roles, Almacenamiento