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Las microfinanzas en centroamérica

Microfinanzas

Microfinanzas (imagen de eabolivia.com)

Continuamente, el sector Microfinanciero representa un aporte muy importante con respecto a la inclusión financiera en la región Centroamericana y el Caribe. Según datos publicados en internet, dicho sector se conforma aproximadamente por 7 redes nacionales de Microfinanzas; apoyándose en 967 oficinas esparcidas en todos los municipios y cantones de la región para atender a un millón doscientos setenta y tres mil clientes.

Históricamente, su enfoque principal ha consistido en apoyar a las familias que conforman la base de la pirámide en situación de pobreza, facilitándoles el acceso a un crédito que de alguna forma les permita mejorar su calidad de vida.

Considerando el nivel de crecimiento que se ha observado a través del tiempo, las organizaciones han trabajado fuertemente en adoptar metodologías crediticias consideradas buenas prácticas globales y, paralelamente, documentar sus procesos, procedimientos y políticas institucionales.

Cabe citar que, a nivel nacional e internacional, el sector ha desarrollado una serie de eventos que han expresado su evolución, compromiso con el país y compromiso con sus clientes. También, han compartido las necesidades de adoptar soluciones tecnológicas que apoyen el fortalecimiento de las instituciones para alinear los procesos de negocio, mitigar el riesgo crediticio y apoyar al ciudadano, analizando detalladamente sus obligaciones de crédito en el sistema financiero, para eliminar el sobre-endeudamiento considerado un tema crítico a nivel regional.

Para responder a dichas necesidades, las soluciones tecnológicas especializadas para el sector deben considerar la automatización e integración de los cuatro macro procesos más importantes:

  • Gestionar Carteras.
  • Administrar Carteras.
  • Recuperar Carteras.
  • Contabilizar Carteras.

Las instituciones, a su vez, requieren que dichas soluciones tengan inmersas buenas prácticas que faciliten y permitan la automatización del proceso de créditos en sus diferentes etapas del ciclo, iniciando en la promoción y siguiendo con la solicitud, evaluación, calificación, aprobación y formalización hasta llegar al desembolso del crédito.

Una vez se ha realizado lo anterior, las soluciones deben apoyar a los ejecutivos de crédito en sus procesos de cobranza de carteras en mora o pre-mora, así como contar con procesos para reestructuraciones de la deuda, procesos para refinanciamientos, etc. y, finalmente, que la contabilización de las operaciones financieras para los diferentes elementos que intervienen se realice de manera automática.

IDS ha creado un portafolio de soluciones especializadas para el sector Financiero que se centra en nuestra experiencia de 33 años. Ayudamos a nuestros clientes a resolver sus necesidades, a innovar y poner su vista en el futuro.

Texto Redactado por: Alfredo Aldana 
Gerente Regional Soluciones Estratégicas, IDS de Centroamérica, S.A.

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