Metodología para estimar el deterioro de cartera de crédito de libre destinación sin libranza otorgado por instituciones de crédito a personas naturales en Colombia.

Abstract

The work is aimed at the methodology implementation for estimating the credit portfolio deterioration of free destination or consumption credit institutions using the CAMEL model which is based on financial indicators, capital, asset quality, resource management, profitability and liquidity of the institutions granting credit service, then set the intervals or ranges in which these indicators are, which allow the quantitative performance comparison of a portfolio of consumer credit with respect to other institutions. Activity that requires the weights or weights available assignment to each variable under quantitative and qualitative analysis, to thereby generate a rank valuations that determining the final grade for a credit portfolio with respect to its financial performance indicators and the quality of its assets, methodology showed the strength of institutions observed because these have healthy, high quality portfolios.