Concessão de crédito: uma análise do perfil dos clientes inadimplentes da em pres X do município de Palmeira das Missões

Abstract

Granting credit is one of the ways that companies have found to achieve their goals. With the ease of granting, many people end up spending outside their budget and become part of the list of defaulting customers. Default is considered as the lack of payment or non-compliance with some obligation, service or acquired good, causing various problems in the company, causing losses. Therefore, the objective of this work is to analyze the profile of defaulting customers in company X in the municipality of Palmeira das Missões – RS. For this, descriptive and quali quantitative research was developed, being a case study, where the population is the 118 customers who are in default, being collected through a probabilistic sample for convenience, based on document analysis, using descriptive statistics, using the Excel tool. As a result, it was possible to notice that the majority of defaulting customers are women, aged between 26 and 35 years old, and the company's default risk level can be considered maximum. Also, the majority had 0 to 200 days until the value expired and the outstanding installments were 0 to 10. The majority also had 1 to 2 open or expired contracts. Furthermore, the company's collections policy needs some improvements, and it is suggested that a collections department be created, closer proximity to the customer at the time of collection, in addition to offering advantages for those who pay off their debts on time, which will bring greater results positive.