Credit diversification in municipal savings and credit banks

One of the tools that can play a transcendental role in the growth and development of societies is the availability and use of credit, since it has allowed not only individuals but companies, governments and countries to access financial resources to finance investments, projects and consumption, promoting economic activity and general well-being. Financial entities that dedicate part of their economic activity to granting and securitizing credit, such as private and public banking entities or microfinance entities, including Municipal Savings and Credit Banks (CMAC), must work to develop effective financial performance. and efficient. On the other hand, to maintain and consolidate the operational health of these entities, they must adopt a transformative dynamic of their processes, techniques, mechanisms and credit instruments at the internal and external level, which entail a renewal of their credit improvements, since with They generate economic performance and profitability, as well as the preservation of your assets. At this point, financial diversification is understood as the distribution of investments in different products, assets and markets. In the context of CMACs, credit diversification refers to the distribution of the credit portfolio in different economic sectors, types of clients, financing terms and interest on it, which constitutes the central axis of this work.

Title registered in the National Repository of Legal Deposit of the Ministry of Cultures, Decolonization and Depatriarchalization of the Plurinational State of Bolivia, under number 4-1-2220-2024, and with ISBN 978-9917-9725-9-4 registered in the Chamber from the Book Peace.